中国银行业正面临多重挑战最近互联网金融风起云涌,但是大部分关于互联网金融的讨论一般都集中在互联网公司做的金融交易,其实在互联网金融这个广义的定义里面还有一个很重要的内容,就是传统的金融机构用互联网的技术来做金融交易。我们最近做了一个研究,其中一个就是看在互联网时代商业银行互联网的转型。1978年底我国的金融改革开始,一开始的时候中国只有中国人民银行一家金融机构,到现在我们的银行部门已经 China’s banking industry is facing multiple challenges Recently, Internet finance surged, but most of the discussions on Internet finance are generally focused on financial transactions made by Internet companies. In fact, there is a very important element in the broad definition of Internet finance, that is, the traditional Financial institutions use the Internet technology to do financial transactions. One of our recent studies was to look at the transformation of commercial banks’ Internet in the Internet age. By the end of 1978, China’s financial reform began. At the beginning, China had only one financial institution of the People’s Bank of China. By now, our banking sector has