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直销银行的兴起是高科技的金融营销手段,在推动金融事业创新发展的同时,也利用互联网技术和信息通信技术实现了资金融通、支付、投资和信息中介服务。本文立足于互联网金融背景,对直销银行的特征、发展现状和发展前景进行探索,以期通过了解和掌握直销银行的特点,剖析当前我国直销银行在初级发展阶段所遇到的困境,找出未来发展的出路和对策,以应对互联网金融领域发展创新的机遇与挑战。
The rise of direct banks is a high-tech financial marketing tool. While promoting the innovation and development of financial affairs, it also uses the Internet technology and information and communication technologies to realize the financing, payment, investment and information intermediary services. Based on the internet finance background, this paper explores the characteristics, development status and development prospects of direct-selling banks in order to find out the future development of direct-selling banks in our country by understanding and controlling the characteristics of direct-selling banks Ways and means to deal with the opportunities and challenges in the development and innovation of Internet finance.