互联网+金融的应用与发展研究.doc

PAGE PAGE 66 互联网+金融的应用与发展研究 摘要 过去几十年，我国金融业可谓欣欣向荣，但表面繁荣的背后也存在隐忧。金融资源的长期错配、征信机制缺失等困境均显著抑制了我国民间资本金融需求的释放。即使金融机构的信息化程度不断提高，包括积极运用互联网技术架设网上银行、实现网点互联互通，但收效甚微。适时，互联网金融应运而生，其发展的多种创新金融模式，为促进民间资本的融通起到了关键性作用，并描绘了人人金融的伟大蓝图，在社会上、学术界引起了热烈的反响。 本文跟随时下热点领域，深入探讨互联网金融的应用与发展。文章首先从阐述传统金融业的成就与不足入手，以了解传统金融业的现状。接着论述了金融互联网的特点与其典型应用模式——网上银行。其次，综合分析了互联网金融的概念与现有应用模式——第三方支付、P2P、众筹，并试图从金融互联网与互联网金融的内涵、模式、对比关系出发，阐述两者的区别与联系。同时，提出了互联网金融的创新应用模式——大数据金融综合服务平台，并对平台的生态系统、功能模块、平台架构等内容进行了重点论述。最后，揭示了互联网金融的发展前景及趋势，以期对互联网金融形成全面、系统的深度剖析与概念框架。 关键词：金融；传统金融；金融+互联网；互联网+金融 The Research on the application and development of Internet+Finance Abstract Over the past few decades, China’s financial industry can be described as thriving, but behind the surface of prosperity there are worries. Long-term mismatch, lacking of credit mechanisms and other plights of financial resources significantly inhibited the release of the financial needs of private capital. Even if the information level of financial institutions are increasing, including using Internet technology to set up online banking and achieving network interoperability, but with little success. Timely, Internet finance came into being, its various financial models has played a key role in the promotion of private capital, and has depicted a great blueprint for all finance, which has aroused enthusiastic response in the community. This paper follows the hot areas nowadays and gives a deep thought into the application and development of Internet finance. Firstly the paper describes the achievements and shortcomings of financial industry, in order to understand the financial current situation. Then it discusses the characteristics of the financial Internet and its typical application mode-online banking. Secondly, the paper gives a comprehensive analysis of the concept and application of the existing modes of Internet finance-the third party payment, P2P, crowdfunding, and tries to explain the differences between financial Internet and Internet finance by exposin