互联网金融时代,商业银行怎么做
发布时间：2018-10-17 08:55
【摘要】：正何谓"互联网金融""互联网金融"这一提法最早出自IT行业,从狭义上理解,指互联网企业(通常是第三方支付机构)向公众提供金融服务的行为。在最初阶段,此类机构的存在仅仅是为了满足自有电商平台的支付需求,简单提供与各家银行之间的网关接口。但随着电子商务在中国蓬勃发展,尤其随着海量用户数据的积累,互联网企业逐渐了解到用户在金融服务方面的需求和偏好,其提供的金融服务便开始从简单的支付渗透到了转账汇款、小额信贷、现金管理、资产管理、供应链金融、基金和保险代销等银行核心业务领域。在金融脱媒的背景下,这种渗透尤为显得令人担忧,意味着金融业和互联网企业的转型方向出现了战略重叠,均朝着"金
[Abstract]:The term "Internet finance" originated from the IT industry. In a narrow sense, it refers to the behavior of Internet enterprises (usually third-party payment agencies) in providing financial services to the public. In the initial stage, such institutions exist only to meet the payment needs of their own e-commerce platforms, and simply provide gateway interfaces with each bank. However, with the booming development of e-commerce in China, especially with the accumulation of massive user data, Internet enterprises gradually understand the needs and preferences of users in financial services. Its financial services began to penetrate from simple payments into the core areas of banking business, such as transfer remittances, microcredit, cash management, asset management, supply chain finance, funds and insurance consignment. In the context of financial disintermediation, this penetration is particularly worrying, which means that there is a strategic overlap in the transformation of the financial industry and the Internet enterprises, both towards "gold"
【作者单位】： 中国工商银行战略管理与投资者关系部;
【分类号】：F830.49
，
本文编号：2276154
[Abstract]:The term "Internet finance" originated from the IT industry. In a narrow sense, it refers to the behavior of Internet enterprises (usually third-party payment agencies) in providing financial services to the public. In the initial stage, such institutions exist only to meet the payment needs of their own e-commerce platforms, and simply provide gateway interfaces with each bank. However, with the booming development of e-commerce in China, especially with the accumulation of massive user data, Internet enterprises gradually understand the needs and preferences of users in financial services. Its financial services began to penetrate from simple payments into the core areas of banking business, such as transfer remittances, microcredit, cash management, asset management, supply chain finance, funds and insurance consignment. In the context of financial disintermediation, this penetration is particularly worrying, which means that there is a strategic overlap in the transformation of the financial industry and the Internet enterprises, both towards "gold"
【作者单位】： 中国工商银行战略管理与投资者关系部;
【分类号】：F830.49
，
本文编号：2276154
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