互联网金融的内生成长、基本模式及对商业银行的影响

发布时间：2018-06-13 04:17

本文选题：互联网金融 + 金融制度变迁　；参考：《南方金融》2017年06期

【摘要】：互联网技术变迁和金融环境变化推动着互联网与金融相向而行,其结果是互联网金融的产生和不断发展。从制度金融学来看,互联网金融的本质是技术推动下的一种金融制度变迁。从金融功能观来看,互联网金融可以分为第三方支付、虚拟金融中介、网络直销和互联网金融门户四种基本模式,在一定程度上替代了商业银行的支付结算、存贷款金融中介、财富管理等功能,从而对商业银行经营管理带来冲击。在互联网金融时代,商业银行赖以生存的外部环境已经发生系统性变化,金融脱媒日益加剧,新的金融业态不断出现,而商业银行之间的发展战略、金融产品和服务也有趋同化趋势。面对新形势、新挑战,商业银行要采取科技立行、以人为本、合作变革、细节取胜的战略导向,方能重塑核心竞争力。
[Abstract]:Internet technology changes and financial environment changes promote the Internet and finance in the opposite direction, the result is the emergence and continuous development of Internet finance. From the point of view of institutional finance, the essence of Internet finance is a kind of financial institutional change promoted by technology. From the view of financial function, Internet finance can be divided into four basic modes: third party payment, virtual financial intermediary, network direct selling and Internet financial portal, which to some extent replace commercial bank's payment and settlement, deposit and loan financial intermediary. Wealth management and other functions, thus bringing impact on the management of commercial banks. In the era of Internet finance, the external environment on which commercial banks rely for survival has undergone systematic changes, the financial disintermediation has been increasingly intensified, new financial formats have been emerging, and the development strategies between commercial banks, Financial products and services also tend to converge. Facing the new situation and the new challenge, the commercial banks should adopt the strategic guidance of science and technology, people-oriented, cooperative change, and win in detail, in order to rebuild the core competitiveness.
【作者单位】：北京大学经济学院博士后科研流动站;中国信达资产管理股份有限公司博士后科研工作站;
【分类号】：F832.33

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