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The author:(作者)归海一刀published in(发表于) 2014/3/30 5:38:04 HKEx Chief Executive： from the perspective of four PK Alipay and Bank，
HKEx Chief Executive: from the perspective of four PK-Alipay and bank PayPal, four rows, IT Leadership Summit, Mr Li-IT news HKEx Chief Executive: from the perspective of four levels of Alipay and Bank PK
In 2014 IT leader Summit, PK on four rows, such as Alipay, HKEx Chief Executive Charles Li said, now, the Internet has been able to Bank on the interest on second-level distribution .
Mr Li believes that Internet companies and traditional financial institutions inside the game, there are four levels of the nature of the problem.
?IT information with map.
Mr Li pointed out that
First, it is a financial Internet ecosystem, payments, credits. This is one of the main, at the grassroots of the payment system, payment system after all these years, as traditional banks did not do this, SMEs are not in place, so all of the ecological environment, almost completely on innovation. This is a great contribution to China's economic development in the future and great feats, there is a level.
The second level, the Internet, other emerging economies or, pattern and the interests of the existing financial system.
The third level, financial institutions for their own safety and risk levels.
Is our financial system as a whole in terms of highest risk such a big pyramid, we analyze this perfect storm, it is the part on which, on which level of significant conflict and significant need for coordination. Finally we climbed to the top of the Hill must climb down financial system risk, absolute regulation.
Mr Li believes that mass killing of financial innovation, one can't kill , is the second loss is very large .
"Now for the Internet has been able to Bank on the interest on second-level allocation. "Mr Li said.
港交所总裁：从四个层面看支付宝与银行PK - 支付宝,四大行,IT领袖峰会,李小加 - IT资讯港交所总裁：从四个层面看支付宝与银行PK
在2014年IT领袖峰会上，对四大行PK支付宝等，港交所总裁李小加表示，现在互联网已经能够和银行在讨论第二层面利益上的分配问题了。
李小加认为，在互联网巨头和传统金融机构的博弈里面，本质存在四个层面的问题。
▲IT资讯配图。
李小加指出，
第一，是一个金融互联网生态系统，支付、信用。这是一个最主要的，在最草根阶层的支付系统，支付系统经过这么多年，由于传统银行基本没有做这一块，中小企业服务还不到位，所以这块大的生态环境全部出来了，几乎完全靠创新出来的。这对将来中国经济发展有巨大贡献和巨大功绩，这里面是一个层面。
第二个层面，互联网也好、其他新型经济也好，和现有金融体系利益的格局。
第三个层面，金融机构本身的安全和风险的层面。
最高的层面就是咱们整个金融体系的风险，这样一个大的金字塔里面，我们来分析这个完美的风暴，大家是在哪个环节上，哪个层次上出现重大的冲突和重大的需要协调。最后大家爬到山顶上一定要爬下来，金融系统出风险，绝对监管。
李小加认为，大规模对金融创新的扼杀，一是扼杀不了，二是损失非常大。
“现在到了互联网已经能够和银行在讨论第二层面利益上的分配问题了。”李小加称。
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