摘要
伴随着互联网金融的蓬勃发展,传统金融服务业受到了前所未有的冲击,引发了广泛的关注和讨论。文中从第三方支付、P2P网络借贷、网络众筹、虚拟货币和网络理财等五个方面探讨了互联网金融现状与发展动态,分析了互联网金融对传统商业银行及消费者理财的影响;并针对商业银行所面临的与客户"脱媒"、营销模式落后、地域依赖性强、准入门槛高等问题提出了相应的应对策略。
With the vigorous development of the Internet Finance,the traditional financial services industry has met unprecedentedly impact,caused widespread concern and discussion. In this paper,five aspects,including the third party payment,peer- to- peer lending,crowdfunding,virtual currency,and network management are discussed in the present situation and development trends of the Internet Finance. And it also analysis the impact on traditional commercial banks and consumer finance. Moreover,it is suggested that the commercial banks are facing with such problems as,customers ＂disintermediation＂,backward marketing mode,the regional dependence,high market access threshold. Finally,the corresponding countermeasures are put forward.
出处
《物流工程与管理》
2014年第7期230-233,共4页
Logistics Engineering and Management
关键词
互联网金融
第三方支付
网络理财
商业银行
internet finance
third party payment
network management
commercial banks
