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ID:33003419
大小:1019.30 KB
页数:43页
时间:2019-02-18
《互联网金融发展趋势与对金融业的借鉴-(5445)》由会员上传分享,免费在线阅读,更多相关内容在行业资料-天天文库。
1、AStudyonOpportunitiesandProblemsofE-financeIndustryinChinaABSTRACTYear2013isstartyearofinternetfinance.Therearedifferentdefinitionsabout‘internetfinance’accordingtodifferentscholarsandexperts.Broaddefinitionofinternetfinanceincludes2kindsofbusiness,financebusines
2、slaunchedbyinternetcompaniesandordinarybusinesslaunchedbyfinanceorganizationthroughinternet.Narrowdefinitionofinternetonlyincludesfinancebusinesslaunchedbyinternetcompanies.Inourthesisweusethenarrowdefinition.Inthisthesisweinvestigatethemacroeconomicbackgroundbeh
3、indboomingInternetfinanceinChina.InternetfinanceappearsinChinaowingpartlytoitsslowingeconomicgrowthanddevelopmentduringrecentyears.AsinternetpenetratingintomostChinesedailylife,andwithinvestorswantingtofindefficiencyandhighreturns,E-financehasstartedtotransformCh
4、ina’slandscape,bothinthefinancialandinternetindustries.TherearethreemainbusinessmodelsinE-finance.Thefirstisthird-partypayment.Third-partypaymentnowisusednotonlyonlinebutalsooffline,notonlyforconsumebutalsoforinvestment.Thegrowing万方数据penetrationofthird-partypayme
5、ntisbeingathreattotraditionalfinancialorganization.Thesecondbusinessmodelisonlinefinancingplatform,whichhasP2P(person-to-person)asthemostcompetitiveway.ThenewfoundingP2Pcompaniesarefacingcompetitionfromthebankindustry,whichhasstrongriskcontrolabilityandexperience
6、.Thelastmodelisvirtualmoney.Althoughbitcoinishottopicinthevirtualmoneycircle,theincompleteecosystemconstrainsthedevelopmentofbitcoin.Asthequicklydevelopmentofinternettechnologyandwiththematurityoffirstgenerationonlineuser,InternetFinanceindustrywillkeepgrowinginn
7、ext20years.Therewillbe3maintrends:Innovationwillfocusonconvenient,effectiveandhighreturn.CreditbigdatawillbecorecompetitionofInternetFinanceCompany.HumanresourceandexperienceonriskcontrolwillbekeypointtoInternetFinancecompany.Therearesomesuggestionsforfinanceindu
8、stry.Itisveryimportantfortraditionalfinanceorganizationtopaymoreattentiononcustomizedservicesforinvestors.Also,traditionalfinanceorganizationsshouldchangestere
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