CAJ | 학술논문

我国互联网金融的不断发展与进步使得整个金融领域发生了巨大改变，不仅促进了金融机构创新，提升了其竞争意识，完善了资本市场监管制度，而且推动了利率市场化和银行业发展。但同时，互联网金融给传统的金融形式和金融理念也带来了巨大的冲击与影响。分析我国互联网金融的发展现状、结构特点以及新兴业务模式，阐述互联网金融对传统金融业的影响，从观念更新、调整转型以及模式创新方面提出传统金融业在互联网金融冲击下的应对之策。
아국호련망금융적불단발전여진보사득정개금융영역발생료거대개변，불부촉진료금융궤구창신，제승료기경쟁의식，완선료자본시장감관제도，이차추동료리솔시장화화은행업발전。단동시，호련망금융급전통적금융형식화금융이념야대래료거대적충격여영향。분석아국호련망금융적발전현상、결구특점이급신흥업무모식，천술호련망금융대전통금융업적영향，종관념경신、조정전형이급모식창신방면제출전통금융업재호련망금융충격하적응대지책。
The continuous development and progress of internet finance in China bring great changes to the whole financial field, which not only promotes the innovation of financial institutions, prompt its competition consciousness, and perfects the supervision institution of capital market, but also promotes the marketization of interest rate and the development of banking industry. At the same time, the internet finance brings great impacts and influences on traditional finance mode and financial concept. The developing status quo, structural characteristics and emerging business modes of internet finance in China is analyzed, the influence of internet finance on traditional financial industry is expounded, and countermeasures are proposed of traditional financial industry from aspects of concept renewal, adjustment and transformation, and mode innovation under the impacts of internet finance.