Research On The Development Level Evaluation Of Internet Finance In Our Country

With the rapid development of modern information science and technology, the internet finance quietly becomes popular in our country. The internet finance modes like third-party payment, peer-to-peer lending, crowdfunding, internet funds, internet currency bring the new financial cognition and experience to people. The rise of the internet finance vigorously promotes the implementation of inclusive financial, breaks the monopoly pattern made by the traditional financial industry and forces them to reform quickly. Predictably, the internet finance will lead the trend, becoming the most important part of the future financial system. However, as a newly sprouted things into our country, the development of the internet finance is not very well. Be restricted by regulator’s attitude, people’s acceptance, economic and legal environment, human resources and other factors in different degrees, the comprehensive development level of the internet finance is not high, which is still below the average. And the development level in different provinces is extremely uneven, which is significantly much higher in eastern region than the midwest. Therefore, based on the actual situation of China’s internet finance, this article builds the evaluation index system, researching the development level of the internet finance quantitatively, revealing the true level of the internet finance development as well as the problems with a fresh view, and providing the countermeasures and suggestions to promote the development of the internet finance normally.Taking the development level of the internet finance as the research object, this paper generally adopts the method of normative analysis and quantitative analysis. The full text is divided into six chapters. The first chapter is a simple introduction of the research background, significance, purpose, content and method, et. The second chapter reviews and summarizes the literature at home and abroad which is related to internet finance. The third chapter describes the development history of the internet finance in our country, and analysis of the current basic situation of our country’s financial internet development from three aspects:the development model, main characteristics and main problems of the internet finance. The fourth chapter analyzes the factors affecting the development of the internet finance and establishes the evaluation index system of internet finance development level. The fifth chapter is quantitative analysis of the internet finance development level in China, calculating the development level scores of each sample by analysing the data of eight provinces like Beijing, Shanghai, Guangdong, Zhejiang and others, and drawing related conclusions of the development level of China’s internet finance. The sixth chapter puts forward the countermeasures and suggestions to promote the regulated development of the internet finance in our country from the law environment, the size of the market, the network environment, and government regulation etc.