【摘要】：正何謂"互聯(lián)網(wǎng)金融""互聯(lián)網(wǎng)金融"這一提法最早出自IT行業(yè),從狹義上理解,指互聯(lián)網(wǎng)企業(yè)(通常是第三方支付機構(gòu))向公眾提供金融服務(wù)的行為。在最初階段,此類機構(gòu)的存在僅僅是為了滿足自有電商平臺的支付需求,簡單提供與各家銀行之間的網(wǎng)關(guān)接口。但隨著電子商務(wù)在中國蓬勃發(fā)展,尤其隨著海量用戶數(shù)據(jù)的積累,互聯(lián)網(wǎng)企業(yè)逐漸了解到用戶在金融服務(wù)方面的需求和偏好,其提供的金融服務(wù)便開始從簡單的支付滲透到了轉(zhuǎn)賬匯款、小額信貸、現(xiàn)金管理、資產(chǎn)管理、供應(yīng)鏈金融、基金和保險代銷等銀行核心業(yè)務(wù)領(lǐng)域。在金融脫媒的背景下,這種滲透尤為顯得令人擔(dān)憂,意味著金融業(yè)和互聯(lián)網(wǎng)企業(yè)的轉(zhuǎn)型方向出現(xiàn)了戰(zhàn)略重疊,均朝著"金
[Abstract]:The term "Internet finance" originated from the IT industry. In a narrow sense, it refers to the behavior of Internet enterprises (usually third-party payment agencies) in providing financial services to the public. In the initial stage, such institutions exist only to meet the payment needs of their own e-commerce platforms, and simply provide gateway interfaces with each bank. However, with the booming development of e-commerce in China, especially with the accumulation of massive user data, Internet enterprises gradually understand the needs and preferences of users in financial services. Its financial services began to penetrate from simple payments into the core areas of banking business, such as transfer remittances, microcredit, cash management, asset management, supply chain finance, funds and insurance consignment. In the context of financial disintermediation, this penetration is particularly worrying, which means that there is a strategic overlap in the transformation of the financial industry and the Internet enterprises, both towards "gold"
【作者單位】： 中國工商銀行戰(zhàn)略管理與投資者關(guān)系部;
【分類號】：F830.49
，

本文編號：2276154