互联网银行带来的金融新常态

随着“互联网+”发展模式的出现,其与传统产业结合发展,一方面为传统产业带来新的发展活力,另一方面促使新的产业产生。互联网银行的出现标志着“互联网+金融”发展模式取得了巨大的成功,将互联网技术与传统银行的运行模式相结合,使互联网银行的全部业务均通过互联网平台进行,对传统银行的发展提出挑战,为未来银行的发展提供新的发展模式。针对互联网银行提供业务有限、信用数据有效性和账户安全等级低等问题,提出相应解决策略,对互联网银行未来发展具有重要意义。

New normal of finance brought by Internet banks

The advent of the development mode of “Internet+” combined with the traditional industries brings new development vitality to the traditional industries on the one hand, and facilitates the appearance of new industries on the other. The existence of the Internet banks marks the great success of the “Internet+finance” mode. The combination of the Internet technology with the operation mode of traditional banks carries on all Internet bank business through the Internet platform, which brings challenges to the development of traditional banks. It also provides new development mode for the future banks. Corresponding resolution strategies are proposed to solve the problems of limited business variety, insufficient effectiveness of credit data, and lower level of account security, which has important significance for the future development of Internet banks.