互联网金融对传统金融模式影响研究

随着互联网信息技术和移动通讯业务的飞快进步,互联网金融模式在中国兴起并迅速发展。互联网金融是由电子商务企业提供的网络支付结算、网络融资、网络保险、网络理财等金融服务。与传统金融服务相比,互联网金融在产品设计、服务模式和参与主体三方面实现了创新。互联网金融将改变传统金融机构经营方式、竞争理念,进而重塑传统金融生态模式。本文探讨了互联网金融模式给传统金融模式带来的种种机遇及挑战,并提出互联网金融的发展趋势及其建议。

The Influence of Network Finance on the Traditional Financial Model

With the fast advances in information technology, the Internet and mobile communications business, the Internet and the rise of financial models developed rapidly in China. Internet is a network of financial settlement, network facilities, network of insurance, banking and other financial services network provided by the e - commerce businesses. Compared to traditional financial services, financial networks in three areas of product design, service delivery model and participation in the body to achieve innovation. Internet banking will change the traditional mode of operation of financial institutions, the concept of competition, thereby reshaping traditional financial eco mode. This paper discusses the current development of Internet financial reasons and problems, and by comparison with the traditional multi - dimensional impact financial results and the financial impact on the traditional, and then analyze the future direction and trends of Intemet finance.