银行业在数字化转型过程中，出现很多新的概念，例如数字银行、直销银行、虚拟银行、互联网银行、开放银行、智慧银行、智能银行等。追其本质，这些概念的背后实质反映的是互联网、云计算、大数据、人工智能等先进技术在银行业数字化过程中的不同应用水平和发展模式选择。本文着重围绕国内较为常见的直销银行、互联网银行和开放银行这三个概念，从其基本运营模式、相较于传统银行的优越性、数字化转型中对数据与技术的要求，以及行业应用与普及情况四个维度进行简要的概念比较，为后期探讨银行业的金融科技发展以及银行与外部金融科技公司的合作路径探讨奠定理论基础。一、直销银行直销银行（Direct Bank）的兴起得益于20世纪90年代...
Banking in the process of digital transformation, appeared a lot of new concepts, such as digital Banks, direct selling, the Internet, virtual bank, bank of wisdom, intelligence, open bank, etc. Back to its essence and the behind the essence of the concept of reflection is the Internet, cloud computing, big data, artificial intelligence and other advanced technology in the banking industry in the process of digital application level and different development pattern choice. In this paper, focusing on the familiar direct selling in domestic Banks, and open Internet bank to these three concepts, from the basic operation mode, compared with the traditional bank, the advantages of the digital transformation of data and technical requirements, as well as industrial application and popularization situation briefly the concept of comparison, four dimensions for later to discuss banking financial technology development company and Banks with external financial technology path to explore theory basis of cooperation. A Direct selling, Direct selling Bank (Direct Bank) the rise of the benefit from the 1990 s...
