互联网金融对传统银行业影响的分析

A Research of Internet Finance's Influence on Traditional Banks

随着移动支付、大数据和云计算等互联网信息技术的发展,互联网金融模式对传统金融行业产生根本影响,受其影响尤为显著的是传统银行业。本文在调查问卷基础上,分析了互联网金融对传统银行业在客户渠道、融资、产品制定等方面的影响。本文认为,互联网金融短期内虽然不能完全摆脱传统银行的束缚,甚至撼动传统银行的地位,但是两者存在着不可否认的竞争关系;长远来看,两者除了相互竞争以外,更应相互融合、优势互补以谋求更好的发展。

With the development of Internet information technology such as mobile payment, big data and cloud computing, the Internet financial model has an essential influence on traditional financial industry, especially on the traditional banking sector. Based on the summary of Internet financial model, this paper illustrates the influence brought by the Internet finance （ITFIN） with survey data on traditional banking customer channels, financing, prod- uct design, etc. In this paper, we consider that ITFIN cannot completely get rid of the bondage of traditional banks in the short term, not to mention shaking the status of traditional banks, but the competition relationship between ITFIN and traditional banks is unavoidable. In the long run, however, in addition to competing against each other, both par- ties should be in a relationship of mutual integration and complementation to seek better development.