挑战还是机遇?——互联网金融对传统银行业和金融市场的影响

Internet Banking and its Challenge to the Financial Sector

近年来,互联网金融快速发展,支付宝、网上银行在年轻群体中非常普及,在解决小微企业融资上风头正劲。本文分析了互联网金融对传统商业银行和金融市场的影响,以及互联网金融发展存在的问题与解决对策。

Internet banking has grown rapidly in recent years. Online payment systems and internet banking have become widely used, particularly among China's younger consumers. This article tries to analyze the impact of this trend on traditional banking and the rest of the fnancial sector. It also examines some of the key issues facing Internet banking and makes policy suggestions.