An Empirical Study On The Diffusion Of Internet Financial Products In Our Country

With the arrival of "Internet+" era, under the high speed development of social information, the financial sector and the Internet industry achieve deeply fusion, ushered in the era of the Internet financial and Internet financial products diffuse. As the diffusion of the Internet financial products, the number of study on Internet financial products has increased in recent years. But for the most of those study on Internet financial products focused on theoretical research including definition defined, business model, as well as its influence on traditional financial institutions. The development of Internet financial makes business situation of the traditional financial institutions become urgent, have to improve their quality of its service, at the same time should also recognize that "bow their heads" to learn the Internet financial model, improve the management efficiency, and thus make effort to not lose their market scale and the industry profits. The diffusion of the Internet financial products has the obviously influence on the reshaping of the traditional financial institutions in China and also has significant influence on small and medium-sized enterprises and individuals in our country. Therefore, under such a big background, the empirical research on Internet financial has very important significance.This article will start with the historical background of the development of the Internet financial products, respectively explore the cause of the rise of the Internet finance products in our country from the supply and demand dimension, and firstly research on in-depth descriptive method, then empirical research on the basis of the Bass diffusion model. Its significance lies in the study, that whether the diffusion of the Internet financial products in our country is successful, and have the scale come to the inflection point, then revel whether there is still developing space. On the basis of the successful diffusion of the Internet finance products, this article put forward pertinence financial regulation suggestion.