互联网金融和传统金融的竞合关系

The coopetition relationships of internet finance and traditional tinance

随着互联网的不断发展和壮大,其在金融领域的应用不断深入,诸多互联网金融项目都纷纷崛起,其中的"余额宝"、"零钱宝"、"定期宝""增值宝"等都是典型的代表。这些互联网金融产品项目的出现,无论是在便捷服务上,还是在增值额度上,都较传统的金融产品有较大的优势,对传统的金融形成了巨大的竞争压力。文章通过分析互联网金融内涵、特征、互联网金融给传统银行业带来的冲击,进一步探讨互联网金融与传统银行业合理有序的竞合关系。

With the development and expansion of the Internet and its application in the field of finance the continuous in-depth,many Internet banking project are emerging one after another,in the＂balance of treasure＂,＂zero money treasure＂,a regular treasure＂Bao added＂are typical representative.The emergence of these internet financial products,whether in convenient service or in the value added on the amount of traditional financial products have a greater advantage over the traditional financial form a huge competitive pressure.By analyzing the connotation and characteristics of Internet banking,Internet banking brought to the traditional banking Impact,this paper further explored the reasonable and orderly coopetition relationship between Internet banking and traditional banking.