竞争与变革:互联网金融对传统银行业的冲击

Competition and Reform:the Impact of the Internet Banking on the Traditional Banking Industry

互联网金融从资产端、负债端和支付端对传统银行业形成冲击,加速了金融脱媒和金融业的市场化发展,但并未改变金融的本质,商业银行必须实行自我变革,加快赢利模式的转型和重塑。同时,互联网金融中的风险不应忽视,亟需出台监管和风险管理框架。因此,应在实现金融改革提升效率和宏观经济稳定之间的平衡中重新设计金融监管体系,构建金融消费者保护体系,动态调整监管方式、规则、内容等,实现智慧监管。未来或出现互联网金融与传统银行业的深度融合。

The internet banking has impact on the traditional banking industry from such aspects as assets business, liabilities business and payment business. It also accelerates the disintermediation and the market-oriented development of the financial industry. But it has not changed the nature of finance. The commercial banks have to carry out self-reform and accelerate the transformation and reshaping of their profit model. At the same time, we should not ignore risks involved in internet banking, and should establish the framework of supervision and risk control. The author also puts forward that we should redesign financial supervision system in seeking the balance between efficiency of financial reform and macroeconomic stability, dynamically adjust the way, rule and contents of supervision and realize the intelligent supervision. Maybe, in the future, there will exist the complete integration between internet and traditional banking.