互联网金融发展趋势与对金融业的借鉴-(5445)

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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