Is it correct to say that Internet finance is difficult to shake the traditional financial management model?

No, compared with traditional finance, internet finance has higher advantages in optimizing resource allocation, improving payment and settlement, improving wealth management and providing accurate price information, but it is difficult to shake the position of traditional banks in terms of risk hedging ability, asset securitization, resource reserve and offline big customers. It can be said that Internet finance still has an alternative boundary.

Internet finance is not so much subversion; But a kind of complementarity and integration. Because internet technology can bring more strengthening tools to the traditional financial industry; Internet thinking can bring more concept updates to the traditional banking industry. It is undeniable that the scale of internet finance is still very small compared with the whole financial industry.

No matter who replaces who, there is no doubt:

The general trend of internet finance is unstoppable. Internet finance has been officially upgraded to a national key strategy. Internet finance has just begun.

The impact on social structure and economic structure has just begun to appear. In this sense, it is not too late for lesbian wealth to enter. At the same time, there are many long-tail enterprises on the Internet, which are not in the vision of traditional banks, and competitors do not occupy the advantage of big data, which is precisely the starting point for Internet companies to achieve counterattacks and snatch users.