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1ABSTRACTSincethereformandopeningup,China'snationaleconomyhasachievedsustainedandrapiddevelopment.Atthesametime,theloanfinancingofenterprises,personalcreditofcitizens,savingsandfinancialmanagementofcitizensandotherneedsalsofollow.Therewillbeamarketifthereisdemand.BecauseChina'sfinancialindustrystartedlate,China'sfinancialindustryhasobtainedtheopportunityofrapiddevelopmentinthefaceofthesuddengrowthofthemarketenvironment.Fromthereformandopeninguptothepresent,mostofthetimeisthe"goldenperiod"ofthedevelopmentofthefinancialindustry.Atthesametime,thelegalsystemandmarketsupervisionofthefinancialindustryareincreasinglyimproved.However,inrecentyears,withtherapiddevelopmentofeconomyandtechnology,theincreasingdemandforconvenienceofcitizens'consumptionandtheincreasingdemandforflexiblediversificationoffinancialproducts,varioustypesofelectronicbankinganddatafinancialproductsemergeasthetimesrequire.Takethe"Alipay"ofAlibabaasanexample,theearningscoefficientunderitsequalprincipalismuchhigherthanthatofbankinterest,anditsaccessisconvenient,anditsfinancialfundproductsaremorediversified.Theemergenceofdigitalfinancewillundoubtedlyhaveahugeimpactontraditionalfinance.Butatthesametime,traditionalfinancestillhasabroadspacefordevelopmentbecauseoftheadvantagesofin-placesupervisionandperfectsystem.Takingthetraditionalfinanceinthenewsituationasthestartingpoint,thispapersystematicallyanalyzesandstudiesthedisadvantagesoftraditionalfinanceandthecrisisitfaces.Atthesametime,takingAlipayasanexample,itanalyzesitsownadvantagesandopportunitiesaccordingtothecharacteristicsofAlipay,andthenputsforwardsomesuggestionsforimprovingtheshortcomingsoftraditionalcommercialbanks.Inordertoprovideliteratureandtheoreticalreferenceforthetraditionalfinancetoadapttothedevelopmentofthetimesandmarketdemand,promotethefurtherimprovementofChina'sfinancialsystem,andfurtherpromotethelong-termhealthydevelopmentofChina'sfinancialmarket.2Keyword:Traditionalfinance;Digitalfinance;Financialsystem;Financialmarket3目录摘要..........................................................................................................................IABSTRACT..............................................................................................................II目...
