互联网金融对传统金融的冲击（The impact of Internet finance on traditional finance）.docVIP

互联网金融对传统金融的冲击（The impact of Internet finance on traditional finance） The impact of Internet finance on traditional finance Internet finance, will the traditional physical form of banking and financial institutions disappear like dinosaurs? Where is bitcoins living space? How can existing risk management constraints be breached? How can existing financial patterns and financial competition strategies be changed? Is Internet finance needed, and what kind of regulation is needed? The following is the view of xu nojin, deputy director of the statistics division of the peoples bank of China, on BBS, Chinas Internet finance : How to understand Internet finance? The main thing about Internet finance is that it takes advantage of the current Internet advantage, which can be summed up as three advantages: One is the advantage of network resources. There are hundreds of people, thousands of people and tens of thousands of people to browse, which is unmatched by the collection of physical and physical people. This is the key to the rapid development of Internet finance. Second, big data. People gather in the Internet, leaving a lot of mark, expressing a lot of demand, which is business space and business opportunity. Three is cloud computing. In disorganized people set, can dig out the rule, this is the traditional abacus, calculator cannot do, only the chaotic cloud computing era information collected data into useful resources, data, data value gold mine, this is the key reason of financial is combined with the Internet. Internet finance can be understood in two ways. One is a simple combination of Internet and finance, such as the Internet or Internet companies seeking to cooperate with financial institutions. The second is that in the process of Internet development, it is possible to grow some new financial states, which I call fusion. Such as the balance of Po, P2P, the raise, third-party payment, this is not found in traditional financial, it is not as a special financi