10月21日,百度宣布,与华夏基金联合推出的理财计划“百发”即将上线,百度借此大举杀入互联网金融领域。同样在4个月前,阿里巴巴支付宝正式推出“余额宝”。很多观察家认为它们是在打擦边球,轻松地解除了银行垄断,革了传统银行的命。这一瞥或是当下新信息经济对于传统服务业带来的冲击。不仅在服务业,我国制造业更是面临着巨大挑战。当下国内经济面临着增长转换期,“产能过剩”一词,频繁见之于官方文件和大众媒体,足见“产 On October 21, Baidu announced that its wealth management plan jointly launched with ChinaAMC will be launched soon and Baidu will plunge into the Internet finance sector. Also in 4 months ago, Alipay Alipay officially launched ”balance treasure.“ Many observers think they are playing the ball, easily lifted the bank monopoly, leather revolution of traditional banks. This glimpse or the current impact of the new information economy on the traditional service industry. Not only in the service industry, but also the manufacturing industry in our country is facing tremendous challenges. The current domestic economy is facing a period of growth and transformation. The term ”excess capacity“ is frequently found in official documents and the mass media, which shows that ”