Analysis And Enlightenment Of China 's Internet Financial Model

The information era has got the traditional finance demands fundamentallychanged, especially the appearance of Mobile Payment, the Social Network, theSearch Engine, the Cloud Computing and so on. It is no doubt that The InternetFinance was the hottest keyword in China in2013. On one hand, it is supported by thenational policy; on the other hand, the predatory expending has been exposing its risksand problems.The paper mainly use comparative analysis, what’s more, by the means of thetheoretical derivation and case study, this paper compares the current situation of TheInternet Finance inside and outside China, especially compares the improvement ofthe P2P and the Crowd Funding, in order to find the limitations and risks in China.These may help us to know the complementary relationship between The InternetFinance and the traditional finance. The Internet Finance can amplify the tradingpossibility by cost reduction. In conclusion, The Internet Finance and the traditionalfinance should make common progress, and China should set up the cross-sectorsupervision system, improve the industry regulations and build the Credit CheckingSystem quickly. In addition, The Internet Finance would develop quickly in a fewyears and integrate with the traditional finance finally.Therefore, this paper has important significance in innovating the supervisionmethods, creating a fair environment of the competition between The Internet Financeand the traditional finance, speeding up the reform of finance and making theInclusive Finance come true.