Why do experts point out that Internet finance will not replace traditional banks? In the face of the impact of Internet finance, the development of traditional banks, what is the inspiration?

1: first look at foreign countries, foreign countries than the domestic rise a lot earlier, but the Internet bank did not replace the traditional banks, on the contrary, many Internet banks fail more.

2: then look at the domestic, there are less people money is placed in the Internet bank.

Big brother you write academic papers, to so many words, mainly the above two points, in the extension of some, find some foreign examples,