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互联网金融具仃强大的替代趋势,互联网重构了商业银行的渠道体系,提高了渠道的便捷性。比如银行的盈利模式就受到了挑战。众所周知传统银行的经营主要是来自于存贷的利差,但是接下来传统银行的经营模式似乎不一样了,过去的竞争主要是要把贷款贷出去。互联网时代,由于移动支付和第三方支付,它的资金成本大大下降,银行就受到了挑战。同时它的金融服务的理念也而临挑战,互联网强调随时随地,所以服务质量的提高很重要。互联网技术恰恰给服务带来了一个很重要的变化,线上线下观念更加模糊,随时在线成为现实。互联网具有开放性的特征,能够构建更加差
Internet finance has a strong alternative trend. The internet has reconstructed the commercial bank’s channel system and improved the channel’s convenience. For example, the bank’s profit model has been challenged. It is well known that traditional banks operate mainly from the spread of deposits and loans. However, the operating modes of traditional banks do not seem to be the same. The competition in the past was mainly to lend out loans. Internet era, due to mobile payments and third-party payments, it greatly reduced the cost of capital, the bank was challenged. At the same time it also challenges the concept of financial services, the Internet emphasizes anytime, anywhere, so improving the quality of service is very important. Internet technology just brings a very important change to the service. The concept of online and offline is more vague and becomes a reality online anytime. The internet is open and can be built even worse