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在电子商务持续发展的当下,互联网金融的发展速度也得到提升,在大数据、众筹、P2P等技术及业务创新的支持下,其影响力日益增大。互联网金融为人们的生活提供便利、高效的金融服务。在互联网金融发展过程中,信息化程度高、普惠性、去传统中介化等特征比较明显。正因存在这些特点,互联网金融与传统银行业存在一定的矛盾。为保证传统银行业健康发展,其要与互联网金融保持合作,促进自身发展,还要利用新技术实现经营方式的创新,并提供新的金融服务产品。
With the continuous development of e-commerce, the development speed of Internet finance has also been enhanced. With the support of technology and business innovation such as big data, crowdfunding and P2P, its influence has been increasing. Internet finance provides convenient and efficient financial services for people’s lives. In the process of Internet financial development, the characteristics of high degree of informationization, generalization, and traditional intermediation are obvious. Because of these characteristics, there are some contradictions between internet finance and traditional banking. In order to ensure the healthy development of the traditional banking industry, it should maintain its cooperation with Internet finance and promote its own development. It should also make use of new technologies to innovate management modes and provide new financial service products.