【参考】互联网金融模式探析.初稿.docx

互联网金融模式探析摘 要随着信息技术的快速发展和应用，大数据、云计算、社交网络和有哪些信誉好的足球投注网站引擎等互联网技术对传统金融模式产生了根本性影响，萌发出互联网金融这一新型的模式。互联网金融热潮正在全国范围内蔓延，引发了全社会的广泛关注，这一现象发生的大背景是在我国进行全面的金融改革与利率市场化的前提下开始的，具有重要节点的意义。关于对互联网金融的理论观点，大家呈现出百花齐放的态势，从专家学者到企业家甚至普通的老百姓都在谈论着互联网金融的话题。但对于互联网金融模式的界定，以及互联网金融未来的发展前景，大家似乎各自持有不同的看法和见解，并没有形成统一的论调。针对我国互联网金融高速发展的现状，有必要对互联网金融模式进行深入的研究，以把握其发展脉象和态势。本文确定以互联网金融模式为研究课题，从概念入手，结合国内外的发展现状归纳出互联网的六大金融模式，并借鉴国际先进模式经验，得出互联网金融是全球发展大势所趋的结论。因此应顺应这一发展趋势，支持和鼓励互联网金融模式创新，并针对其发展中遇到的金融风险和阻碍给予必要的扶持和相应有效的监管措施。关键词：互联网金融、P2P网贷、大数据、众筹、金融监管ABSTRACTWith the internet technologies developing and applying, such as big data, cloud computing, social networks and search engines, have a fundamental impact on the financial sector, leading to the generation of Internet financial model. The boom of Internet finance is spreading across China, sparked concern of the whole society, which is crucial for us, under the background of comprehensive financial reform and Internet rate liberalization. The topic about Internet finance is discussed between experts, entrepreneurs, and even ordinary people. However, it does not seem to reach a consensus on the Internet financial model. Due to the rapid development of Internet finance in China recently, it is necessary to conduct in-depth research on Internet financial model, in order to grasp the pulse of its development. This thesis introduce the concept of Internet finance, then summarizes six models of Internet finance, combined with the practice of theory at home and abroad. Finally, it concludes that Internet finance will become a global trend. Therefore, we should conform to this trend, encourage Internet financial innovation, and provide the necessary support and effective supervision to deal with the obstacles and financial risk encountered in its development.KEY WORDS: Internet Finance、P2P Leading、Big-data、Crowd Funding、Financial Regulation目录 引言 1.1选题背景与研究现状 1.1.1选题背景 1.1.2研究现状 1.2选题意义和理论综述 1.2.1选题意义 1.2.2理论综述 互联网金融模式概述 2.1互联网金融的概念 2.2互联网金融的特征 2.3互联网金融的构成主体