Research On The Effects Of Internet To The Traditional Finance

In recent years,with the rapid popularization of Internet,it's impact on each industry also gradually become more obvious,of course,the financial industry is no exception,and the effects of the Internet on traditional financial also become more interesting.Internet finance in the Internet age has become a new financial ecology,and it is fundamentally different from traditional finance.financial trading will mainly through the network or the Internet social data generated by the corresponding consolidation,as to make the object for the deal from the customer's related credit judgment,and then use the electronic payment method to complete a series of consumer credit,loan borrowing,etc.The traditional financial network is only through some fixed or counter for related financial transactions.But it is worth noting that the Internet financial concerns of financial,it is also with the traditional financial interlinked place.,however,the Internet financial focus is not to say that the Internet technology to replace traditional financial,but relative progress communication high-tech technology for traditional financial the abundance of the natural means of payment and the shortcomings of traditional finance service system and the counter of relevant supplementary.This paper mainly in the perspective of the financial sector and case analysis method is used to research on the influence of the financial industry to the Internet.First,this paper mainly introduces the topic of the selected topic background and research methods,analysis and summarizes the main literature at home and abroad,to summarize the general structure of the article.Followed by the development of the Internet are introduced,and the rapid development of the Internet to the effects of the financial industry and the change in combination with the concrete reality.Again,the Internet financial now existing business model of the specific description and analysis.One is the network mode of payment.Mainly refers to the third-party payment;Secondly,the network finance service mode.Use this pattern mainly has the P2 P lending,the raise,etc.;3 it is to network financial management mode.Mainly includes the innovation based on monetary fund and financial management innovation based on \ "assets + guarantee\" two kinds big.And then the new forms of financial industry in the Internet under the environment of rapid development of the analysis of the future direction.At the end of the paper was concluded and put forward the technical research and development,improve the security of the network platform,a related law,strengthen the external supervision,establish and improve the institutional framework of the \ "Internet + financial\",attach importance to basic customer,establish a perfect social credit rating system and a series of Suggestions,hope to some extent to the following about the Internet financial impact on traditional financial study has certain reference value.Characteristics in this paper,first of all,is the research object is novel,this topic mainly obtains the rapid development of the Internet as the background,in order to \ "Internet combined with financial\" brought about by the new financial forms as the main research object,the development of the Internet relative to the financial industry,the specific mechanisms of the development of new formats,in-depth studies are completely from the Internet and finance with the combination of obvious characteristics are revealed.The second is the new research Angle,the perspective of this topic in the financial industry as the breakthrough point,analysis of the financial infrastructure of the Internet itself,and then discusses the Internet development of structural change in the financial sector.This topic research helps to clarify the development of the Internet and financial mechanism between new formats,gathered the advantage resources,promote the development of integration of the Internet industry and the financial sector,further speed up the development of the entire financial system innovation model,leading to create a society needs more abundant financial modes.