互联网下金融创新的挑战

摘  要

随着金融行业搭载互联网平台的发展，第三方支付软件的兴起给传统金融业既带来了发展，又带了不小的挑战。传统金融存在以下问题：国有化程度高，内部机制不健全；不良贷款率持续上升；整体风险不断累积；汇率风险持续加大等。在互联网金融创新的冲击下，更是面临着以下挑战：传统银行中介作用被弱化；传统金融的业务模式发生改变；传统金融业竞争模式发生变革；流失中小企业的潜在用户。为了应对挑战，金融业应该开发中间业务特色服务；加强与互联网金融企业的合作；深挖客户信息、重视客户体验等。

关键词：互联网；金融创新；挑战

ABSTRACT

With the development of Internet platforms in the financial industry, the rise of third-party payment software has brought both development and challenges to the traditional financial industry. Traditional finance has the following problems: the degree of nationalization is high, and the internal mechanism is not perfect; non-performing loan ratio continues to rise; the overall risk accumulates; and exchange rate risk continues to increase. Under the impact of Internet financial innovation, it is faced with the following challenges: traditional banking intermediation become weakened; the business model of traditional finance changes; the traditional financial industry competition mode changes; and potential users of small and medium-sized enterprises. In order to meet the challenge, the financial industry should develop the service of intermediary business. Strengthening cooperation with Internet finance enterprises; Deep excavation of customer information, emphasis on customer experience, etc. 

Key words：Internet； Financial innovation； Challenge 

目  录

引言 1

一、传统金融业的发展现状及问题 1

（一）发展现状 1

（二）发展问题 2

1.国有化程度高，内部机制不健全 2

2.不良贷款率持续上升，迎来了新的挑战 2

3.滥用按揭贷款和信用卡等带来的积累风险 2

4.外币资产面临的汇率风险持续加大 2

二、 互联网金融创新的表现与特点 2

三、互联网下金融创新带来的挑战 4

（一）传统银行中介作用被弱化 4

（二）传统金融业务模式发生改变 5

（三）传统金融业竞争模式发生变革 5

（四）流失中小企业等潜在用户群体 5

四、 应对互联网金融创新挑战的策略 6

（一）开发中间业务特色服务 6

（二）加强与互联网金融企业的合作 6

（三）深挖客户信息，重视客户体验 6

1.深挖客户信息，实现精准营销 6

2.重视客户体验，吸引中小企业回流 7

五、讨论 7

（一）外部监管法律缺失 7

（二）信息安全问题突出 8

（三）金融市场人才流失 8

参考文献 9