互联网金融模式与对信托业的影响.pdf

互联网金融模式及对信托业的影响 摘 要 随着大数据、云计算等信息技术的快速发展，包括第三方支付、 P2P 网络贷款、众筹融资等主要业态的互联网金融正对包括信托业在 内的传统金融机构产生重要影响。本文从互联网金融内涵和我国互联 网金融发展背景入手，归纳分析了我国互联网金融主要业态及发展趋 势，探讨信托业在转型及创新方面的比较优势，信托业与互联网金融 的差异及互联网金融对信托业的影响，介绍了信托业在营销渠道和产 品创新方面的路径探索。 本文共分为四章：第1 章是互联网金融发展现状和趋势，从互联 网金融起源和内涵入手，分析了我国互联网金融发展的背景及主要业 态，指出了在我国金融市场长期存在金融抑制的背景下，互联网金融 可以为实现普惠金融提供渠道；第2 章介绍了信托业的发展概况及现 状，分析了信托业在创新转型方面的比较优势，比较了信托业与互联 网金融在投资者、基础资产、风险管理等方面的差异，分析了互联网 金融在营销渠道、金融中介功能等方面对信托业的影响；第3 章以消 费信托为例介绍了信托业在互联网金融方向的探索；第4 章指出了信 托业开展互联网金融在金融监管、基础功能建设等方面存在的问题， 预测了信托业在互联网金融方面的发展趋势。 关键词：信托业，互联网金融，消费信托 万方数据 BUSINESS MODELS OF INTERNET FINANCE AND ITS IMPACTS ON THE TRUST INDUSTRY ABSTRACT With the boost of information technology, such as big data and cloud computing, Internet finance (ITFIN), including third-party payment platforms, P2P online loans, and crowd funding has had a significant impact on the traditional financial industry, including the trust industry. Starting with a summary of ITFIN’s emergence and development in China, and the business models of current ITFIN providers and its future trends, the following article intends to explore the business advantage for the trust industry on business model transformation and innovation. It compares the difference between the trust industry and ITFIN, and analyzes the increasing challenges posed by its online competitors. And it also introduces the innovation in sales and marketing channels and product design by the trust industry. The article has four sections: Section1: Curren