互联网金融对传统金融业的影响及对策

Influence and countermeasures of internet finance on traditional finance industry

我国互联网金融的不断发展与进步使得整个金融领域发生了巨大改变,不仅促进了金融机构创新,提升了其竞争意识,完善了资本市场监管制度,而且推动了利率市场化和银行业发展。但同时,互联网金融给传统的金融形式和金融理念也带来了巨大的冲击与影响。分析我国互联网金融的发展现状、结构特点以及新兴业务模式,阐述互联网金融对传统金融业的影响,从观念更新、调整转型以及模式创新方面提出传统金融业在互联网金融冲击下的应对之策。

The continuous development and progress of internet finance in China bring great changes to the whole financial field, which not only promotes the innovation of financial institutions, prompt its competition consciousness, and perfects the supervision institution of capital market, but also promotes the marketization of interest rate and the development of banking industry. At the same time, the internet finance brings great impacts and influences on traditional finance mode and financial concept. The developing status quo, structural characteristics and emerging business modes of internet finance in China is analyzed, the influence of internet finance on traditional financial industry is expounded, and countermeasures are proposed of traditional financial industry from aspects of concept renewal, adjustment and transformation, and mode innovation under the impacts of internet finance.