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高速发展的互联网金融对传统金融来说,既是一种挑战,也是一种机遇。互联网金融改变了传统金融的销售和支付模式,挤占或替代了传统金融机构的位置和作用。但同时,又促进了金融机构的创新,改善了中小企业融资难等传统金融不能解决的问题。因此,只有正确处理好互联网金融的发展对传统金融的影响,积极改革创新,使两者相互结合,才能实现两种金融模式的共同发展,促进我国金融市场的稳定和发展。
The rapid development of Internet finance is both a challenge and an opportunity for traditional finance. Internet finance has changed the traditional financial sales and payment model, squeezing or replacing the traditional financial institutions in the position and role. At the same time, however, it has also promoted the innovation of financial institutions and improved the problems that can not be solved by traditional finance such as SME financing. Therefore, only by properly handling the impact of the development of internet finance on traditional finance, by actively reforming and innovating so as to combine the two, we can realize the common development of the two financial models and promote the stability and development of China’s financial markets.