互联网金融快速发展对银行经营的影响探析

An Analysis of Effects of Rapid Online Financial Development on Banking Management

互联网金融以其便捷、高效、低成本等优势对银行传统金融业务不断进行渗透,对银行经营造成了一定的影响。一方面,迅速发展的互联网金融业务在我国金融市场上发挥了"鲶鱼效应",成为我国金融体系的有益补充,填补了银行等正规金融机构的服务盲区。另一方面,互联网金融业务的迅速发展也给银行经营带来了不小的竞争压力,造成了银行存款流失、资金成本上升、小微企业贷款客户流失、代理支付结算业务利润下降等一系列问题。

Online finance which has constantly affected banking management has penetrated into the traditional banking service at its convenience,quickness,efficiency and low cost. On the one hand,rapid online financial development exerts an ＂Catfish effect＂and has become a supplement to Chinese financial system which covers the service blind areas of such formal financial institution as bank. On the other hand,rapid online financial development bringing out fierce competition to banking management results in a series of problems in terms of loss of bank deposits,increase in the cost of capital,decrease of loaning customers in small and micro businesses and profits decline of agent of payment and settlement deal.