对于中国无数还在漫长等“贷”、求“资”若渴的中小企业来说,互联网本质上为他们带来的是尊重、开放和平等的力量,一旦看到希望的曙光,这种力量将会冲破障碍、野蛮生长。今天正处在银行互联网进化的高成本差异化时代。这个时代银行价值主张的特征是:一方面,它主张业务差异化,从价值上避免低利润状态,走向高附加值;另～方面,它的成本随着差异化程度的提高而提高。这个阶段银行信息进化的特征在于,互联网仍然在边缘起作用。电子商务中的商务,已经发生了从同质化向差异化的业务转向,但以效能状态为标志的生产方式,仍然与没有互联网时一样。 For the small and medium-sized enterprises in China that are still long, such as lending money and seeking funding, the Internet has essentially brought them the power of respect, openness and equality. Once they see the dawn of hope This force will break through obstacles and grow brutally. Today is at an era of high cost differentiation of bank internet evolution. The characteristics of the bank’s value proposition in this era are: on the one hand, it advocates business differentiation, avoids the low-profit state in value and moves toward high added value; on the other hand, its cost increases with the degree of differentiation. The evolution of bank information at this stage is characterized by the fact that the Internet is still at the edge. Commerce in e-commerce has shifted from homogeneity to differentiated business, but the mode of production marked by the state of performance is still the same as when there is no internet.