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互联网金融的迅猛发展,对传统银行业带来了直接的冲击,余额宝、微信支付、P2P网贷等以互联网为基础的应用层出不穷;百度、阿里巴巴、腾讯等互联网公司高调进入金融行业,令传统银行业界,尤其是中小银行惶惶不安,直呼“狼来了”。在此背景下,传统银行应主动调整思维、加快转型、积极拥抱互联网金融时代的到来,紧紧抓住互联网金融发展的重要机遇,依靠创新不断提升自身竞争力,才能这个变革的时代脱颖而出。
The rapid development of Internet finance has brought a direct impact on the traditional banking industry. Internet-based applications such as YuBaoBao, WeChat payment and P2P online loans have emerged in an endless stream. Internet companies such as Baidu, Alibaba and Tencent have entered the financial industry in a high profile, Traditional banking industry, especially small and medium banks panic, direct call “wolf ”. In this context, the traditional bank should take the initiative to adjust thinking, speed up the transformation, and actively embrace the Internet financial era, firmly grasp the important opportunities for the development of the Internet finance, rely on innovation and constantly improve their competitiveness in order to stand out from this era of change.