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近几年,互联网已经普及到千家万户,与互联网相关的产业如雨后春笋般涌现,而银行作为金融业的重要组成部分,也正在深受网络时代的影响。传统的柜台式银行业务依旧存在,但是依靠互联网平台进行的诸如网上银行,资产信贷管理,网上理财等业务也正在吞噬着传统业务的份额。随着年轻一代的消费群体成为主流,电子金融的支付方式以及资产管理方式必将成为主流。本文通过互联网金融的概述,以及分析其对于传统银行业务的影响来对此种趋势进行深刻的认识。
In recent years, the Internet has spread to tens of thousands of households, and Internet-related industries have sprung up. As an important part of the financial industry, banks are also being greatly influenced by the Internet age. Traditional counter-bank banking still exists, but businesses that rely on Internet platforms such as online banking, asset credit management and online money management are also devouring the share of traditional businesses. As the younger generations of consumer groups become mainstream, e-finance payment methods and asset management are bound to become mainstream. This article provides a deep understanding of this trend through an overview of Internet finance and its impact on traditional banking.