互联网金融对传统银行业的冲击与融合——基于功能观的讨论

The Impact and Fusion of Internet Finance to Traditional Banking Industry——Discussion Based on the view of Function

资源配置、支付中介和风险管理是传统金融业的主要功能。互联网金融的出现并没有提供一种全新的金融服务模式,但是互联网金融通过对金融功能的复制,与传统银行业形成竞争态势,并对具体的银行业务产生冲击。为此,商业银行必须借助互联网的技术平台推进经营转型,这不可避免将会引起商业银行与互联网金融的融合。在未来的发展中,两者肯定在竞争中结合自身的优势形成一种"互补性"的融合,这种融合其实是一种金融功能的整合,以促进金融服务效率的提升。在此过程中,关于互联网金融监管主体、监管规则以及监管法案等的制定就显得格外重要,监管的完善有利于弥补互联网金融的监管缺失。

The allocation of resources,payment intermediaries and risk management are the main functions of the traditional financial industry. The emergence of internet finance does not provide a new mode of financial services,but by copying of the financial functions,internet finance has found its way to compete with traditional banking industry,and has affected the business of banks. Therefore,commercial banks should borrow the technology platform of internet to promote business transformation,which will certainly lead to the integration of commercial banks and internet finance. In the future,both internet finance and traditional banks should combine their own advantages in the competition to form a ＂complementary＂fusion,which is actually a kind of integration of financial functions in order to promote the efficiency of financial services. In this process,it is important to formulate the main supervision body,supervision rules and regulation acts of internet finance. The improvement of supervision is conducive to compensate for the lack of regulation on internet finance.