In the development of the Internet today, is it possible for banks to de-intermediated

First of all, let's make it clear that traditional banks are not intermediaries. Because she has to develop a series of financial products to meet the needs of different groups (savings products, lending products, insurance products, etc.), not just as an intermediary to collect interest margins.

Secondly, today has developed into the mobile Internet era. All banks are now mixed business development, both the bank's traditional financial business, but also e-commerce business, credit card business, insurance business and so on. In the future, banks will definitely develop towards mixed business and will gradually divest their non-financial business and set up subsidiaries.

Why?

Because first, banks must need the support of other non-financial businesses. For example, the e-commerce business, which can bring considerable income and bring a large number of retail users and corporate public users, and increase user stickiness, and then push the bank's financial business to this group is very good.

Second, the mixed industry must be divested. If you stay in the banking system, it will restrict the development of mixed industry. Because the operation mechanism, business process is very different. Independent out, will develop faster. For example, the e-commerce business.

Third, if you do not develop mixed industry, the bank will be unsustainable, and ultimately to the end. Because of the mixed industry, it will bring a huge user base and Internet traffic entrance to the bank. Without the user base, the bank's financial business can not be carried out.

I hope it can help you. I am also from a bank. Oh