中央财经大学中国银行业研究中心主任郭田勇认为,在中国,直销银行能否成功,取决于银行能在多大程度上理解和把握互联网技术与金融业务方面的结合。近期,直销银行成为中国互联网金融浪潮下又一广受关注的新课题。从国际商业银行的经营管理实践看,由于直销银行从组织架构到营销策略的整个商业模式都与实体银行有着本质区别,因而成为了金融领域的“改革者”。作为颠覆传统银行经营模式的直销银行,将为中国金融业带来一个全新的细分市场。为此,本刊采访了中央财经大学中国银行业研究中心主任郭田勇。他认为,现阶 Guo Tian Yong, director of China Banking Research Center at the Central University of Finance and Economics, believes that the success of direct banks in China depends on the extent to which banks can understand and grasp the combination of Internet technology and financial services. Recently, direct selling banks have become another new topic under the wave of Internet finance in China. From the management practices of international commercial banks, as the whole business model of direct banks from organizational structure to marketing strategy has the essential difference with that of the real bank, it becomes the “reformer” in the financial field. As a direct bank that subverts the traditional banking model, it will bring a brand new market segment to China’s financial industry. To this end, the magazine interviewed Guo Tian Yong, director of the China Banking Research Center at the Central University of Finance and Economics. He believes that the present