A Research On The Business Model Of Internet Finance From The Perspective Of Platform Economy

The finance industry is an important component of national economy,distributing resources and wealth in the modern economy.As communication technology and internet economy breaking through,internet finance also gradually appeal to people’s horizons.Benefit by effect of platform economy,internet finance have enjoyed a rapid growth in China,various business models and products such as Peer to Peer Lending,on-line financial products and payment resulted in extensively coverage of customer group as well as market expansion.Therefore,this article mainly aims at platform economy to analyze the business model of internet finance,then study some companies’ cases and put forward relevant conclusion and outlook.Some outstanding theoretical literature has been published both at home and abroad,this paper draws on clarifying the method of comparative analysis,SWOT analysis,the long tail theory,marginal utility,and realizing the development and trend of the internet finance industry.Then considering the cases of some companies,using specific analysis method to analyze business models of internet finance based on platform economy.Based on this,this article concluded there,firstly,the business model of internet finance is various and plentiful.Secondly,platform economy has been playing an important role in the development of internet finance.Thirdly,there is a broad space for seeking further and innovating development in the future.