信息网络通信技术(ICT)快速发展促使传统金融发展的政策、经济、社会和技术环境发生巨大变化,互联网金融发展异常迅速,传统金融的机遇和挑战并存。我国银行业、保险业、证券业都在利用互联网技术和互联网理念改造传统金融,构建“互联网+金融”,大力发展“金融科技”,网上银行和手机银行等快速发展。特别是各家银行争相搭建综合性互联网金融服务平台,聚集客户资源、金融信息,延伸传统业务,大力拓展金融产品互联网营销、财富管理、支付业务,建立金融信息门户网站,搭建电子商务平台;保险业从保险产品的互联网营销开始,大力发展互联网保险业务,延伸至电商平台;证券基金业将线上平台叠加“大资管”业务,搭建金融服务平台、覆盖证券全产业链,建立基金产品的网上超市;信托公司也提出了平台型战略。
<<The rapid development of Information Communication Technology(ICT)has brought about great changes in the policies,economic,social and technological of traditional financial environment. Internet finance is growing extremely quickly,and the opportunities and challenges coexist. In China,banking industry,insurance industry and securities industry reusing the internet technology and the internet concept to transform traditional finance,build “internet & finance” and develop “Fintech” vigorously. The development of E-bank and mobile banking is fast. In particular,each bank is competing to build the integrated internet financial services platform. In order to gather customer resources and financial information,extend the traditional business,these banks also expand the business of e-marketing of the financial products,wealth management and payment,establish the financial information portal and e-commerce platform. Insurance industry carries out internet insurance business,starting from the internet marketing of insurance product and extending to the electric business platform. Securities industry carries out the big capital tube business in the online platform,constructs platform for financial services covering all securities industry chain and builds online supermarket of fund products. Trust companies also put forward platform strategy.
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