传统金融机构互联网化转型架构分析及未来发展趋势  

Traditional Financial Institutions Internet Transformation Architecture Analysis and Its Future Development Trend

作　　者：杨芳[1,2] 汪洋[1] Yang Fang Wang Yang(Zhuhai School of Business, Beijing Institute of Technology, Zhuhai, Guangdong 519088 School of Business, Macao University of Science and Technology, Macao 999078)

机构地区：[1]北京理工大学珠海学院商学院,广东珠海519088 [2]澳门科技大学商学院,澳门999078

出　　处：《改革与战略》2017年第8期74-78,共5页Reformation & Strategy

摘　　要：依托大数据、云计算等现代信息化技术,互联网金融能有效助推传统金融脱媒,缓解信息不对称问题,为普惠金融发展提供可能。传统金融机构转型互联网金融架构需要完善交易结构,拓宽服务范围;建立混合风控架构,提高风险防范能力;规范法律架构,增强互联网金融产品创新。移动金融、大数据金融、社交金融、供应链金融是传统金融机构互联网金融业务发展的主要方向。Based on big data, cloud computing and other modem information technology, Intemet financial can effectively boost the traditional financial disintermediation, alleviate the problem of asymmetric information, and provide inclusive finance might. Traditional financial institutions need to improve their trading structure and broaden their scope of service, establish a mixed risk control framework to enhance risk prevention; standardize the legal framework and enhance the innovation of Internet financial products. Mobile finance, big data finance, social finance and supply chain finance are the main directions for the development of traditional financial institutions.

关 键 词：互联网金融 传统金融机构 架构建设 发展方向 

分 类 号：F830[经济管理—金融学]