The ancients cloud, the world is bustling, all for the benefit of the world, all for the benefit of the future。The rise of Internet finance has given the traditional financial industry, which was originally settled in the corner, a heavy blow, but it has also awakened the financial industry。

We can see that the framework of traditional finance has been finalized, and the traditional finance, which is subject to a fixed system and a comfortable environment, has been walking four directions。Take commercial banks as an example, mainly through the establishment of numerous outlets to provide loans, its loan officers to track and inspect and make decisions, regularly write credit reports and so on。

However, the advance of Internet finance has broken this monopoly of interests。In recent years, under the comprehensive influence of a series of factors such as technological progress, financial deepening, and changes in customer groups, China's Internet finance has played a positive role in facilitating the development of inclusive finance, improving the quality and efficiency of financial services, and showing greater market space and development potential。

Only the active catfish can keep the sardines swimming, reducing the death from lack of oxygen。The continuous innovation of Internet finance in terms of concept, technology and model is like that catfish on the rampage, prompting China's traditional financial institutions to constantly change their business models and service methods, and injecting new impetus into the reform and development of traditional financial institutions。It should be seen that the essence of Internet finance is finance, which determines that traditional banks and Internet finance are not "life or death" antagonistic relations, but that you have me, I have you in the cooperative relationship。

Faced with the impact of Internet finance, banks use their own rich products and experience as well as perfect risk management system to develop Internet applications。According to incomplete statistics, by the end of 2016, there were nearly 60 Internet direct selling banks in China。Among them, the more representative Industrial and Commercial Bank of China "financial e bank" network banking platform customers have reached 2.500 million people, including more than 60 million mobile terminals。More importantly, Internet finance innovates and improves the mobilization ability of social funds through convenient and low-cost network channels, speeds up the flow of funds, strengthens the competition of banks on the liability side, makes the interest rate reflect the supply and demand of funds in a timely manner, and then guides the reasonable flow of funds。

Of course, Internet finance is not a panacea, Internet finance from 13 years of chaos, to 15 years of regulatory policies, and then 16 years of rectification, the lively Internet finance industry needs to return to calm and reflection。As a whole-people ownership enterprise capital injection, state-owned enterprises to the holding of the Internet financial platform truly determined to serve inclusive finance, the future will provide a wider range of financial services。In addition, with the development of financial technologies such as big data, cloud computing, blockchain, and artificial intelligence, the service efficiency of China's Internet finance industry will be improved。Therefore, we should scientifically manage and guide, and make full use of the "catfish effect" of Internet finance to promote financial reform.。