The Study Of Internet Finance’s Development In China

The rapid development of Internet has changed our life a lot in production modeand our survival mode. Especially with the combination of finance, it is of greatsignificance to our country’s economic development. Internet finance, as a newfinancial pattern, has the general properties of finance, the nature of finance, financing,configurating resource across space and time. As a new mode of payment settlement,financing, it doesn’t break the traditional definition of finance, just change themanagement pattern of traditional financial institutions, pay attention to the customerinteractive, personalized and self-support experience, improve the efficiency of thefinancing.Internet finance is an important new mode in financial industry. But from theexisting document literature, the study of the Internet finance is few, the systemicstudy is much fewer. Based the comprehensive systemic study of Internet financemodel, we conclude that Internet finance’s positive and negative influence to thetraditional financial institutions, finance industry, economy of China.On the one hand, the Internet finance extends the boundary of financial marketsrelying on Internet, big data and cloud computing, makes up for gaps in the field offinance in China, enhances the financing convenience of the small customers andmedium-sized enterprise. On the other hand, there is some overlap in the traditionalfinancial business and Internet financial institution, breaking the monopoly position inthe field of traditional finance, accelerating financial institutions disintermediation.This paper is divided into five parts mainly, the first part discusses the Internetdevelopment course and status quo in our country. The fifth part mainly summarizesthe future development of the Internet finance, forecasts the trend of the developmentof the Internet finance reasonably. The second, three, four part in paper compare theInternet finance and the traditional finance differences, the significance of Internet financial development to economic growth, and the Internet finance development isnot mature, lack of regulation.Internet financial is a new way to reconstruct the financial market. Internetfinancial model has highly leveraged, widely involved and risk spread universalitycharacteristics, influencing the system stability of the finance industry. Now Internetfinancial development still exists some shortcomings, Internet financial companyuneven, technology risk of loopholes, etc. The future development of China’s Internetfinance prospect is uncertain, there is a big risk of potential and reality. Given thecurrent Internet financial regulation in our country, the paper puts up with reasonablesuggestions for the administration and financial regulatory reference from the aspectsof economic means and policy interventions.This paper integrates the existing document literature, systematically concludesInternet finance mode, comprehensively analyzes the present situation of this pattern,boldly forecasts the trend of the Internet finance development, makes up the blank ofthe literature to some extent.