As a traditional financial institution, does Internet finance have an impact on banks?

Internet finance has a great impact on banks, but it is also an opportunity for banks.

Specifically:

1. As far as the Internet industry is concerned, a considerable number of Internet companies are constantly infiltrating from the non-financial field to the financial field. Both the third-party payment and the loan financing platform such as POP have different impacts on the traditional deposit and loan business of banks.

2. At present, a considerable number of customers compete directly through e-commerce on the Internet or financing platform, which not only leads to financial disintermediation, but also isolates the contact between customers and banks. It has had a certain impact on the foundation of banks and customers, or a certain impact.

Although the Internet industry has made many attempts, it can't shake the position of commercial banks fundamentally at present, but it still has a great influence on people's ideas and public opinion. This is a new requirement of public opinion and ideas for financial products and services, and it will also bring some impacts to commercial banks.

Although Internet companies' financial attempts have brought a certain impact to banks, I think it is also a supplement to traditional banking business to a certain extent, and it also makes up for some blind spots in traditional banking business, so it still has a very positive role. At the same time, the gene of Internet's love for innovation has also brought innovation impetus to commercial banks, and triggered the reflection, repositioning and rapid development of their own business models.