互联网金融和传统银行业的当代博弈

Contemporary Game between Internet Finance and Traditional Bank Industry

2013年被称为"互联网金融年"。互联网金融在这一年里有了很大的发展,其影响已经扩散到金融行业的整体区域。作为国内金融体系核心的传统商业银行受到了很大的影响,这使得很多学者对互联网金融产生浓厚的兴趣并积极开展研究。传统银行必须采取措施应对互联网金融的冲击,避免短期行为,保持长期发展,这就要求传统银行能够利用自身的主动风险管理功能,在自身的财务资源和资本规模上发挥自身的优势,重构自身的管理理念和业务流程,在新的挑战下健康稳定地发展。

2013 is known as"the Year of Internet Finance".Huge progresses of Internet finance have taken place during this year,and its impact has spread to the whole region of the financial industry.As an essential part of Chinese financial system,traditional commercial banks have been influenced heavily,making many scholars be interested in Internet finance and carry out researches on it actively.Traditional banks must take measures to cope with the impacts caused by Internet finance,avoid short-term business and maintain long-term development,which requires traditional banks to actively use their own functions of risk management,make full play of their own advantages in financial resources and capital scale,reconstruct their own management concepts and business processes,so as to develop healthily and steadily in the context of Internet finance.