Research Of Internet Financial O2O Model

Different background created a different financial history, in the rapid development of Internet technology today, financial began to embrace the Internet, the rapid rise of Internet banking is the inevitable result of the development of modern science and technology. Internet banking in our country can be traced back to the birth of an earlier time, but from 2012 onwards, the financial development of faster Internet, Internet companies began to develop the financial sector, financial enterprises has begun to Internet development. Electricity supplier began to actively get involved in the financial sector, the establishment of small loans companies Suning, Jingdong develop financial services supply chain system, Ali small loans turned out. In the fierce competition, the traditional financial institutions are not willing to do a supporting role, CCB on-line "good financial business" e-finance platform, the major banks to develop mobile banking and online banking, online exclusive financial products are endless, many insurance companies have obtained Insurance net sales qualification. Meanwhile, in addition to electricity providers and traditional financial institutions, P2P, crowdfunding and other new financial model also began to slowly force, to meet the financial needs of the long tail of the crowd, alleviate asymmetric information played an important role. So far, the development of Internet banking is still booming, but has been changed from the initial impetuous and radical continued to rise steadily, various branches of the industry are beginning to or already completed integration with whipsaw, who left in reflection, people continue to leave buried Endeavour.Regulators is another protagonist in this industry, the market is likely to irrational, but rational regulatory needs, but not too rational, this degree is difficult to grasp, the game is a mutual process. Too strict, it may be overkill, too loose, would not achieve the desired regulatory effect. Development of new industries is changing, the implementation of a strong regulatory lag, difficult to keep up the pace of innovation, which requires regulatory authorities in the formulation of policy requires a global, system, advance the awareness, to boot sustainable development of the industry.Firstly, a review of the existing literature on the Research on Internet finance first summarized, mainly reviewed third-party payment, P2P net loan research status, O2O three areas. After the concept of O2O and O2O the characteristics of literature review and reviewed. Again, the paper on the Internet 020 model of financial analysis. From the development and current situation of the whole O2O start, and introduced the E seconds loans, insurance Biao car insurance, financial vertical search platform 020 three typical financial product or platform. In this literature review before the basis of combining the contents, sorting out the financial O2O mode features.After the paper describes the advantages and development constraints O2O industry. Description O2O industries with outstanding convenience, matching supply and demand fast, comprehensive information covering that provides personalized service, each transaction can be tracked, reducing the physical stores under the line cost advantages; at the same time there is a high marketing costs, low barriers to entry, difficult to reflect competitive differentiation, customer retention is difficult to continue to maintain, the line is difficult to guarantee quality of service, lack of effective supervision and development constraints.Then after, introducing the case of financial melt 360 vertical search platform as evidence will be described.Then again, set forth herein Inspiration 360 financial platform financial O2O entire Internet industry:First, take two different paths elaborate development of enterprise 020 (online to offline from offline to online or from) the similarities and differences, di O2O model is to analyze the benefits of the introduction of the commercial banks.Finally, based on case studies, leads thrust of this article, which appears to clarify revelation financial vertical search platform on the Internet O2O the financial industry, and thinking about the future sustainable future Internet O2O financial industry, some suggestions.