互联网金融对传统银行的影响

The Influence of Internet Banking on Traditional Banks

随着我国金融市场的深化以及改革进程的加快,互联网金融异军突起,其快速发展以及对于金融行业的渗透给传统银行带来越来越不可忽视的影响。互联网金融促进了传统银行与新型金融机构的竞争,面对这一新的形势,传统的金融机构应该如何面对这一新的挑战以及新的变化是需要思考的问题。文章对互联网金融的定义和特点进行了阐述和分析,通过梳理互联网金融的主要特征,深入探讨互联网金融对传统银行的影响,进而提出商业银行如何应对互联网金融的政策建议。互联网金融模式在短期内不会动摇商业银行传统的经营模式和营利方式,但从长远来说商业银行应大力利用互联网金融模式,以获得新的发展。

With the deepening of China ’ s financial markets , its rapid development and penetration of the financial sector can not be ignored .Internet banking finance promote the competitiveness of traditional and new financial institutions , in the face of this new situation , the traditional financial institutions should face this new challenge and new changes .In this paper , the definition of the Internet and financial characteristics are described and analyzed in the future , this paper attempts to sort out the main features of Internet banking , the depth financial impact of the Internet on traditional banks , commercial banks and then propose policy recom-mendations on how to deal with Internet finance .This paper argues that the Internet will not be shaken finan-cial model of traditional commercial banking business model and profitable way short term , but in the long run commercial bank financial model should use the Internet vigorously to get the new development .