Innovation And Development Of Internet Finance

With the continuous development of social economy and the technological level of progress, as well as the continuous financial deregulation. Today, our society has fully entered the information age, in the financial sector, due to the growing popularity of Internet technology, e-commerce gradually on the rise, more and more financial companies began to flourish in the area of e-commerce, the people’s daily life since the arrival of the information age and dramatic changes occurred. Whether at work or in the entertainment, the Internet has become a necessity of modern people, but in everything now seeking an efficient and seek under the convenient times, internet banking was born.Under this background, the continuous development of Internet banking, which, Alipay as most users, the most influential internet financial products, the majority of the people’s love and support, continued to flourish in the financial sector. Alipay constantly adapt to the era of innovation, in 2013, Alipay launched the balance of treasure, treasure way to balance the increasing appreciation of the user’s pocket money to generate income, will continue to attract users to come in large quantities. Alipay continue with the development of the times, comply with the consumer demand for innovative, undoubtedly to bring their own huge economic benefits, in 2013 the two-eleven day, Alipay day trading platform in 2012, compared with a total turnover exceeds 159 billion, turnover of up to 170 million pens.Have to say, as compared with Alipay headed Internet banking, under the background of today’s era, China’s traditional financial company whose system is lagging behind, in many cases, it is because not enough "ground gas," the credit rating system leads users not enjoy more services. When the Internet banking appears, users will naturally choose more convenient Internet banking, which greatly limits the development of traditional financial industry, which is occasionally technological development, but also the historical necessity.In this paper, Alipay, for example, on the Internet and the development of financial innovation systematic study and discussion. Firstly, the concept of Internet financial start, the development of the Internet in recent years, a brief financial overview and analysis, and then compared to the traditional banking, Internet banking features and advantages summarized. Secondly, the product will Alipay systematic analysis of the problem of Internet banking in the future development of the road may be encountered in the analysis. Again, the article on the internet financial supervision carried out research and thinking, and to better develop its recommendations, and finally, on the whole internet banking industry, to do with the macro outlook.