互联网金融对传统金融行业的影响研究  

Research on the Impact of Internet Finance on the Traditional Financial Industry

作　　者：邵晓昌 李正旺[1] SHAO Xiaochang;LI Zhengwang(Wuhan Textile University,Wuhan 430200,China)

机构地区：[1]武汉纺织大学,湖北武汉430200

出　　处：《商业观察》2023年第32期21-25,共5页BUSINESS OBSERVATION

摘　　要：随着互联网的不断发展,互联网金融行业逐渐崛起,并对传统金融行业产生了巨大的影响。因此,研究互联网金融对传统金融行业的影响已成为当前热门话题。本研究旨在深入探讨互联网金融对传统金融行业的影响,帮助金融机构更好地了解互联网金融行业的现状、优势以及风险,并且为传统金融行业提供对策与建议。文章采用文献分析法、案例分析法和数量统计法相结合的方法,对互联网金融与传统金融行业进行对比和分析,从而阐述互联网金融对传统金融行业所产生的影响,以及风险管理方面所需要注意的问题。文章研究表明,互联网金融发展迅速,已经对传统金融行业产生了不可忽视的影响。互联网金融的优势在于降低了金融服务的成本,增加了金融服务的可获得性和便利性。但同时,互联网金融行业也面临诸多风险,需要金融机构制定科学的风险管理策略,以保障金融服务的安全性。文章针对互联网金融对传统金融行业产生的影响和风险进行了深入研究,并给出了应对策略。在未来的研究中,应该更加关注互联网金融行业的发展过程,并探索更多的有效方法以应对金融领域的发展和创新。With the continuous development of the internet,the internet financial industry has gradually risen and has had a huge impact on the traditional financial industry.Therefore,the research on the impact of internet finance on the traditional financial industry has become a hot topic.The purpose of this study is to explore the impact of internet finance on the traditional financial industry,to help financial institutions better understand the current situation,advantages and risks of the internet financial industry,and to provide countermeasures and suggestions for the traditional financial industry.This paper uses the methods of literature analysis,case analysis and quantitative statistics to compare and analyze the internet finance and the traditional financial industry,so as to explain the impact of internet finance on the traditional financial industry,as well as the problems in risk management.The research shows that the rapid development of internet finance has had a significant impact on the traditional financial industry.The advantage of internet finance is to reduce the cost of financial services and increase the availability and convenience of financial services.However,at the same time,the internet financial industry is also facing many risks.It requires financial institutions to formulate scientific risk management strategies to ensure the safety of financial services.This paper conducts an in-depth study on the impact and risks of internet finance on the traditional financial industry,and gives the countermeasures.The future research should pay more attention to the development process of the internet financial industry,and explore more effective methods to cope with the development and innovation in the financial field.

关 键 词：互联网金融 传统金融行业 影响研究 数字化银行 风险控制 

分 类 号：F49[经济管理—产业经济]