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2012年,互联网金融的概念才刚刚兴起,金融管理部门对其开展前瞻性研究,主要研究案例为美国的部分互联网金融企业,如“人人贷”等。在短短两年后,以BAT(百度、阿里巴巴、腾讯)等为代表的互联网企业已经以支付作为突破口,深入金融的各个领域,对传统金融业形成了强有力的竞争和挑战。来势汹汹的互联网金融,不仅仅是金融的互联网化,更是对金融从技术组织到商业模式到监管理念的一次全面的革新。直面挑战、勇于革新,是传统金融行业的必然选择。
In 2012, the concept of Internet finance was just emerging. The financial management department conducted a prospective study on it. The main research case was part of the Internet financial enterprises in the United States, such as “Everyone Loans” and so on. In just two years, Internet companies represented by BAT (Baidu, Alibaba, Tencent), etc., have taken payment as a breakthrough and deepened their efforts in various fields of finance, creating a strong competition and challenge to the traditional financial industry. Menacing Internet finance is not only an Internet of finance, but also an all-round innovation in the regulation of finance from technical organization to business model to regulation. Faced with challenges and innovation, it is an inevitable choice for the traditional financial industry.