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当前,互联网金融以其方便、快捷、低成本、强大的数据积累与挖掘优势得以迅猛发展,第三方支付、电商平台、P2P融资、网络理财等从存、贷、汇多方位对银行业发起冲击,倒逼商业银行加速转型发展。作为一种全新的金融业态,互联网金融呈现出服务方式更加多样化,客户渠道更加多元化,交易成本进一步降低、服务效率进一步提升的特点。为应对互联网企业进军金融领域的挑战,商业银行纷纷加快创新步伐,2013年也成为银行业创新最为百花齐放的一年。各家银行先后推出微信银行,代表着电子银行从以交易渠道
At present, Internet finance has been booming with convenient, fast, low-cost and powerful data accumulation and mining advantages. The third party payment, e-commerce platform, P2P financing and online banking are all initiated from deposit, loan and exchange. Impact, forcing commercial banks to accelerate the transformation and development. As a brand new financial format, Internet finance shows the features of diversified service modes, diversified customer channels, further reduction of transaction costs and further enhancement of service efficiency. In response to the challenge of Internet companies entering the financial sector, commercial banks have accelerated the pace of innovation in succession and 2013 has also become the most flourishing year for banking innovation. Various banks have launched WeChat Bank, representing the e-banking from the transaction channels