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从2013年阿里巴巴的余额宝横空出世以来,国内互联网金融得到爆 发式增长,各家余额宝类产品层出不穷。整个互联网金融市场即刻风起云 涌,传统金融业如银行、券商、基金、保险等金融机构的传统业务遭到全 面冲击。互联网金融不仅正在抢占存款、贷款和支付等银行三大核心业务 的市场份额,也严重侵蚀证券市场经纪业务。当然,它对利率市场化及国 内金融创新更是起到了推波助澜的作用。
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