The Origin， Status Quo And Development Of Internet Finance.docVIP

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2017-01-23 发布于北京
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The Origin， Status Quo And Development Of Internet Finance.doc

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The Origin， Status Quo And Development Of Internet Finance 　　Abstract： Recently， the Internet finance is a very hot topic，and its mode is endless， from Ali small loan， theYuebao， cornucopia， micro-channel pay， micro-channel bank， to the nearest Taobao Mooncake insurance， it shows a rapid developing trend.Internet finance relationship with the bank is relatively hot topic， subversion or fusion？Somebody see it as a traditional finance flood and beast， activists even suggested that the tide will impact the organizational structure of traditional financial， making traditional financial break their tails in the near future，banking merger and reorganization may be unusually vicious.Exactly how far can the Internet financial go？ How big is the impact of the Internet financial to bank？ This article discusses from the origin of the Internet financial， the comparison of Chinese and foreign models， etc. 　　Key words： Internet financial； Origin；Status quo； Development 　　1 The origin of the Internet financial 　　Internet financial is not a new term， it is the product of the rapid development of information technology and the Internet financial services，mainly refers to the Internet and mobile communications business through the Internet and other advanced techniques，engaged in financial business relies on the advantages of e-commerce data sets.It originated in the United States in the late 20th century， during which appear in addition to the rapid development of e-commerce environment， the innovation model to third-party payment represented electronic payment， online lending has also been rapid development.In the third party payment， representative is PAYPAL company， it is to pay treasure to prototype， PAYPAL was founded in 1998， set up the account balance of money market funds in its second year， the fund issued to online investors through the PayPal website， for third party fund management through the bond funds in the form of， this is the balance of the the prototype.Fu