互联网金融与传统金融实现优势互补与双赢模式探析

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1、7òᳮJ，ᓣ®¯7òÙ5öᦔ᳛，᡽ᜧ7ò³ö⚞i，ö¡᪀OP〉ᔠ，´ªµ#5，¶·¸ὅᩗ8，ὶ¹Pý}，ºOᡃὶPb»myᗐ，`ᓄᡃl,Ḅᦋ☩¥¼。ᐵ½¾：ὶ，，，万方数据THESHOCKANDRELIANCEOFINTERNETFINANCEONTRADITIONALFINANCEABSTRACTInternetFinancereferstofinancing,paymentandinformationintermediarybusinessactivitiesbyw

2、ayofpayingontheInternet,cloudcomputing,socialnetworks,searchenginesandotherInternettools.TherapiddevelopmentmomentumofInternetFinancehasbeenthemostpopulartopicinrecentyears.Ontheonehand,relyingontraditionalfinancialinstitutions,InternetFinancecreatesthethirdpartypayme

3、nt,P2P,crowd-fundingandaseriesofothernewbusinessmodelsandbringsvigorandvitalityforthecurrenteconomicandfinancialenvironment.Ontheotherhand,thedevelopmentofInternetFinancealsocreatesshocksforcommercialbanks,insurancecompanies,securitiesfirmswhicharetherepresentativesof

4、traditionalfinancialinstitutions.Fromthisperspective,thispaperfirstlydiscussestheconceptandbackgroundofInternetFinancefromthenatureoffinance,andcomparestheadvantagesanddisadvantagesofInternetFinancewithtraditionalfinancialinstitutions.Thenthisarticledescribesseveralde

5、velopmentmodesofInternetFinance,suchasInternetpayment,Alipettyloan,P2PloanandYu’ebao.Besides,byanalyzingthecaseofAlipay,theshockandrelianceofInternetFinanceontraditionalfinanceisinterpreted.Afterdetailedanalysis,thispaperdrawstheconclusion:intermsoftheshock,thetraditi

6、onalcashbusinessoffinancialinstitutionswillbethreatenedbyInternetFinance,andInternetFinancewillreformcreditriskmanagementmodesofthecurrentfinancialsystemusingbigdata.Intermsofthereliance,theobjects,toolsandlegalrelationshipofInternetFinance,therearenofundamentalchange

7、s.Thenatureoffinancialproductsandserviceshasnotbeenchanged.Thefundingsourcesofthird-partypaymentbelongtothecommercialbankaccounts;Yu’ebaoconnectswithmoneymarketfundsinthefinalanalysis;AlipettyloanandP2Parestillbasedoncreditriskmanagement;consulting,insurance万方数据andass

8、etmanagement,whichtake"push"asthemainlineofbusiness,aswellasinvestmentbankingandtrustbusinesslicense,willnotbeobviouslyaffec