General Financial System And The Internet Finance

Represented by the Internet technology rapid development,has a fundamental impact on human life style.Appeared in the financial sector,the third financial form,which is different from relying on the traditional financial services of commercial Banks,is different from the direct financing through capital market,also known as "the Internet finance".Different from traditional financial intermediary,such as market information asymmetry and payment formalities trival,under the new mode,money lending both sides traded directly,not through the traditional Banks,stock exchange,securities institutions and other organizations.In achieve ideal resource allocation efficiency at the same time,the new model significantly reduce transaction costs,effectively reduce the barriers to entry,market participants are more popular,brought about by the economic benefits for the wider income of ordinary people.Internet financial for building general financial system laid a foundation.Around the construction in zhejiang province in recent years,the "financial strong province" the overall goal of conducting financial construction,and make "private wealth management center" and "small and medium-sized enterprise financial services centre".As an important gripper to achieve these goals,the Internet financial in solving the financing difficulties of small and medium-sized enterprises,promote industrial chain financial resource allocation and promote folk financial standardization,build the general financial system plays an important role and positive significance.The first chapter is introduction part of the paper,has been clear about the research significance,research objectives,research methods,research contents and research characteristics.Chapters 2 and 3 for theory were summarized,the main is the theoretical foundation of the Internet financial,pratt &whitney the basic concept of the financial system,and evaluation on the empirical research and architecture.In the fourth chapter is case analysis and the empirical simulation,first of all,through the theoretical analysis in constructing universality of Internet financial function of the financial system,optimizing the resources distribution of the industrial chain,the second through the case analysis,comparison and predict the role of the Internet financial industry in zhejiang province,such as the advantages and disadvantages in the mechanism and development situation,at last,through the empirical analysis,illustrate the Internet financial positive significance for social and economic development.The basic conclusion of this study was to: first,technical innovation as the foundation of the Internet financial and important guarantee.Second,the Internet financial for zhejiang province to build general financial system is of positive significance and value.Third,by increasing money supply,Internet financial financial resource allocation optimizing the existing industrial chain.Fourth,the system friction has become an important problem nowadays Internet financial development.According to the results of theoretical analysis and empirical research,puts forward corresponding Suggestions about the development of the Internet financial in zhejiang province.First of all,to the Internet financial legislation as the breakthrough point,establish universality of the financial system supporting legal system.Second,in the policy to guide the traditional financial institutions,activate the Internet finance.Finally,be in technology,talent,intelligence,autonomy,four dimensions to ensure the vigorous development of the Internet financial.