10 Internet Finance Trends to Watch in 2015.docVIP

10 Internet Finance Trends to Watch in 2015 1. Huge Growth Potential under“New Normal” China’s economic “new normal” and ongoing financial reform will undoubtedly entail new economic structures， new development patterns， and new financial innovations， as well as new business models， leaving a huge space for the Internet financing growth. The development of the Internet finance begins with the inclusive finance that provides financing services to all clients， not just the relatively well-off. The inclusive finance reaches out to low-income grass-roots， as well as small and micro businesses， offering them affordable financial services tailored to their needs. On Nov. 12， 2013， the “Inclusive Finance Strategy” was put forward at the Third Plenary Session of the 18th CPC National Congress， giving a clear-cut route for the development of the inclusive finance on the Internet. In fact， it is no exaggeration to say that the current economic situation in China offers a historic opportunity for the explosive growth of the Internet financing sector. Particularly， the traditional economic structure adjustment， together with the industrial transformation and upgrading， brings new opportunities for the Internet finance sector in the country， while the rapid growth in the mobile Internet and O2O e-commerce creates new markets for online payment. Besides， the ever-expanding public wealth and increasinglydiversified financial demands will give new opportunities for the Internet banking. Online P2P lenders will also move to a new healthy growth path， driven by policies that aim at stimulating small and micro business financing and promoting rural financial services. In addition， a new wave of mass innovation and entrepreneurship will be followed by a spree of crowd-funding， which is expected to set off a revolution in the business models. 2. Move Deeper into MSIS In 2014， the concept of China’s Internet finance trending toward mobile informationization， social communications network