摘要自从改革开放以来，我国的国民经济获得了持续较快的发展。与此同时，企业的贷款融资、公民的个人信贷、公民储蓄理财等各种需求也随之而来。有需求就会有市场，由于我国的金融行业起步时间较晚，因此在突然增长的市场环境面前，我国的金融行业获得了飞速发展的机会。从改革开放到现在，大部分的时间是金融行业发展的“黄金时期”，与此同时，对于金融行业的法律体系和市场监管也日益完善。但是，近年来，随着经济和科技的快速发展，公民消费便捷度需求的增加和理财产品灵活多样化需求的增加，各类电子银行和数据金融产品应运而生。以阿里巴巴旗下的“支付宝”为例，其同等本金下的收益系数远远高于银行利息，并且存取便捷，其旗下的理财基金产品也更加多样化。这种数字金融的出现对于传统金融的冲击无疑是巨大的。但是同时，传统金融由于监管到位、体系完善等优势，仍有广阔的发展空间。本文以新形势下的传统金融为出发点，系统地分析和研究了传统金融的弊端和所面临的危机，同时以支付宝为例，根据支付宝的特点分析了其自身优势和机遇，继而针对传统商业银行的不足之处提出了相关的改进意见。以期为传统金融适应时代发展和市场需求提供文献资料和理论参考，推动我国金融体系的进一步完善，更推动我国金融市场的长期健康的发展。关键词：传统金融；数字金融；金融体系；金融市场ABSTRACTSince the reform and opening up, China's national economy has achieved sustained and rapid development. At the same time, the loan financing of enterprises, personal credit of citizens, savings and financial management of citizens and other needs also follow. There will be a market if there is demand. Because China's financial industry started late, China's financial industry has obtained the opportunity of rapid development in the face of the sudden growth of the market environment. From the reform and opening up to the present, most of the time is the "golden period" of the development of the financial industry. At the same time, the legal system and market supervision of the financial industry are increasingly improved. However, in recent years, with the r...
