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随着大数据时代的来临,以第三方支付、网络信贷、众筹融资以及其他网络金融服务平台等为代表的互联网金融业态迅速崛起,成为一股愈来愈不可忽视的新兴金融力量。毋庸置疑的是,现代信息技术的高速发展催生了互联网金融,数据的云量积累和数据应用能力的不断提升加速了互联网金融的发展步伐。时至今日,互联网金融正在从单纯的支付业务向转账汇款、跨境结算、小额信贷、现金及资产管理、供应链金融、基金和保险代销、信用卡还款等银行核心业务领域渗透。
With the advent of the era of big data, the Internet financial industry represented by third-party payment, online credit, crowdfunding and other online financial service platforms has rapidly emerged as an emerging financial force that can not be ignored more and more. Undoubtedly, the rapid development of modern information technology has given birth to Internet finance, the cloud data accumulation and the continuous improvement of data application speed up the pace of Internet finance development. Today, Internet finance is infiltrating from simple payment services to the core business areas of banks such as fund transfer, cross-border settlement, micro-credit, cash and asset management, supply chain finance, fund and insurance consignment, and credit card repayment.