互联网金融与其他传统金融服务模式相比,具有以下主要特征:第一,客户信息数据更丰富;第二,信息更透明;第三,交易更便捷;第四,用户参与更深入;第五,资源配置效率更高。互联网金融在信息处理技术方面,信息挖掘的深度广度方面,以及信息处理效率方面都是银行业所不具备的,其服务观念、服务手段以及在产品创新等方面也是传统银行业所不及的,因此,给传统银行业带来了前所未有的冲击和挑战。一方面为拓宽银行客户群提供了技术基 Compared with other traditional financial service models, Internet finance has the following main features: First, customer information is richer; second, information is more transparent; third, transactions are more convenient; fourth, users are more involved; and fifth, Resource allocation more efficient. Internet finance is not available to the banking industry in terms of information processing technology, depth of information mining, and information processing efficiency. Its service concept, service means and product innovation are also inferior to those of the traditional banking industry. Therefore, , Bringing unprecedented challenges and challenges to the traditional banking industry. On the one hand to broaden the bank customer base provides the technical basis