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1、AnanalysisabouthowtheinternetfinanceinfluencestheentityeconomyThereformoftheChinesefinancialindustryisaglobalattentionevent,especiallytheinterestratemarket,exchangeratemarketandtherelaxationofthefinancialregulation.Butiftheworld'smajoreconomieshaveanimportantrefor
2、m,itwillalwaysbewiththeconsiderableinnovationofthefinanee.SowiththedevelopmentoftheinternetandtheITtechnology,internetfinanceasanewfinancialcharrnelhasmadegreatcontributiontothewholetraditionalfinancialinnovationinChina.Andthemostimportantreasonofreformisthattheco
3、mpanyisnotonlywithoutthelimitationofthecapitalrequirements,butalsolackofthesupervisionofthecentralbank.Forinstanee,theriseofthird-partyrecently.Thethirdpartyofpaymentisthatbuyersandsellerstradethecommoditythroughthetradingplatformprovidedbythethirdparty.Whenthebuy
4、erspaythemoney,thethirdpartwillinformthesellersaboutthatthemoneyhasarrivedandthesellerscanshipthecommodity.Afterbuyersinspectthequalityofthechandises,theycandothatthemoneyistransferredtotheaccountofthesellersbythethirdpartyofpayments.Fromnowtherelatedproductsofint
5、ernetfinanceincludetheLakalaandtheYuebaowhichisheldbytheAlibabaGroup.Therearesomereasonsthatcancontributetoexplainingtheappearanceofthethirdpartypayment.Firstly,thetradinghoursofthetraditionalcommercialbanksarelimited,equivalenttotheeighthoursaday.Anditisveryincon
6、venientformanycustomersindailylife・Secondly,themostimportantreasonisthatthethirdpartypaymentprovidesacreditguarantee.Becauseoftheexisteneeofthetradingplatform,thesellershavetheabilitytowithdrawthepaymentandthecommodities'qualitycangetaniceguaranteeafterthebuyersha
7、vepaidthemoney.Asweknow,thethirdpartypaymenthasawiderangeofadvantages・Apointwemustmentionisthatitdecreasesthecostoftheonlinesalesefficiently.Becauseofwiththematurityoftheinternettechnology,peoplecanconducttheirbusinessonlinefreely・Naturally,thecostoffixedassetswil
8、lbereduced.ThenwewilltalksomethingaboutP2RP2Psfullnameispeertopeer.NetworkcreditoriginatesinBritish,thendevelopsinAmerica,Germanyandothercountries.Thene
