互联网金融与利率市场化的发展

The Internet Finance and The Development in Interest Rate Liberalization

互联网金融依托其大数据的天然优势,开始了与银行在大数据领域的角逐,并在理财业务、在线信用贷款业务、结算业务等领域展开竞争。互联网在改变我们生活方式的同时,也在改变我们的支付习惯、借贷方式和投资理财渠道,这也给银行及非银行金融机构留下巨大的创新空间,互联网金融正在倒逼商业银行利率市场化。在未来,金融企业尤其是银行与互联网的融合将呈现加速状态,打造合理的金融生态成为关键。

The internet finance is the product in the ＂big data＂ age. It integrates the information flow and the funds flow basing on its natural advantage of ＂big data＂. When the internet changes our way of life, it also affects our paying habits, way of lending and the channel of investment. In another way, it brings a large innovation space to commercial banks and non-banking financial institutions. It forces banks to innovate. So in future, the Integration of commercial banks and internet will accelerate, and more important thing is making a fair financial ecology.