金融科技背景下传统金融理财与互联网金融理财比较研究  

A Comparative Study of Traditional Financial Management and Internet Financial Management in the Context of Financial Technology

作　　者：刘琴[1] LIU Qin(Wuxi Vocational Institute of Commerce,Wuxi Jiangsu 214153,China)

机构地区：[1]无锡商业职业技术学院,江苏无锡214153

出　　处：《湖北开放职业学院学报》2024年第6期113-117,共5页Journal of Hubei Open Vocational College

基　　金：2023年江苏省高等教育教改研究课题重点课题“高职院校产教融合‘五化一体’培养高素质人才的路径创新研究”(项目编号:1135)。

摘　　要：随着金融科技的发展,互联网金融理财给商业银行传统金融理财带来冲击的同时,也促使其不断改革创新。另一方面,随着资管新规的实施,银行理财子公司的成立,传统金融理财已经打破刚兑,完成净值化转型,并且不断吸收互联网金融的优势,降低投资门槛,拓展线上服务。面对行业变革带来的挑战,传统金融理财只有依托母行强大的销售渠道,以及在原有固收类理财产品的优势,紧紧抓牢专注于稳定投资回报率的投资者,特别是老年投资者,实行错位竞争,才能维护理财市场地位。With the development of financial technology,Internet financial management has not only challenged traditional financial management in commercial banks but also encouraged continuous reform and innovation.On the other hand,with the implementation of new regulations on asset management and the establishment of bank wealth management subsidiaries,traditional financial management has broken the buck,completed its transformation into net asset value-based management,and continuously absorbed the advantages of Internet finance while lowering the investment threshold and expanding online services.Faced with the challenges brought about by industry changes,traditional financial management can only maintain its position in the wealth management market by relying on the strong sales channels of the parent company,leveraging the advantages in traditional fixed-income financial products,and targeting investors,especially elderly investors,who focus on stable investment returns through differentiated competition.

关 键 词：传统金融理财 互联网金融理财 理财子公司 错位竞争 

分 类 号：F8[经济管理]