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《互聯(lián)網(wǎng)金融與傳統(tǒng)金融實(shí)現(xiàn)優(yōu)勢互補(bǔ)與雙贏模式探析》由會員上傳分享，免費(fèi)在線閱讀，更多相關(guān)內(nèi)容在行業(yè)資料-天天文庫。
1、7ò?J，??ˉ7òù5???，??7ò?3??i，???OP??，′aμ#5，?·???8，??1Py}，oO??Pb?m y?，`??l,???￥?。???：?，， ，萬方數(shù)據(jù)THESHOCKANDRELIANCEOFINTERNETFINANCEONTRADITIONALFINANCEABSTRACTInternetFinancereferstofinancing,paymentandinformationintermediarybusinessactivitiesbyw
2、ayofpayingontheInternet,cloudcomputing,socialnetworks,searchenginesandotherInternettools.TherapiddevelopmentmomentumofInternetFinancehasbeenthemostpopulartopicinrecentyears.Ontheonehand,relyingontraditionalfinancialinstitutions,InternetFinancecreatesthethirdpartypayme
3、nt,P2P,crowd-fundingandaseriesofothernewbusinessmodelsandbringsvigorandvitalityforthecurrenteconomicandfinancialenvironment.Ontheotherhand,thedevelopmentofInternetFinancealsocreatesshocksforcommercialbanks,insurancecompanies,securitiesfirmswhicharetherepresentativesof
4、traditionalfinancialinstitutions.Fromthisperspective,thispaperfirstlydiscussestheconceptandbackgroundofInternetFinancefromthenatureoffinance,andcomparestheadvantagesanddisadvantagesofInternetFinancewithtraditionalfinancialinstitutions.Thenthisarticledescribesseveralde
5、velopmentmodesofInternetFinance,suchasInternetpayment,Alipettyloan,P2PloanandYu’ebao.Besides,byanalyzingthecaseofAlipay,theshockandrelianceofInternetFinanceontraditionalfinanceisinterpreted.Afterdetailedanalysis,thispaperdrawstheconclusion:intermsoftheshock,thetraditi
6、onalcashbusinessoffinancialinstitutionswillbethreatenedbyInternetFinance,andInternetFinancewillreformcreditriskmanagementmodesofthecurrentfinancialsystemusingbigdata.Intermsofthereliance,theobjects,toolsandlegalrelationshipofInternetFinance,therearenofundamentalchange
7、s.Thenatureoffinancialproductsandserviceshasnotbeenchanged.Thefundingsourcesofthird-partypaymentbelongtothecommercialbankaccounts;Yu’ebaoconnectswithmoneymarketfundsinthefinalanalysis;AlipettyloanandP2Parestillbasedoncreditriskmanagement;consulting,insurance萬方數(shù)據(jù)andass
8、etmanagement,whichtake"push"asthemainlineofbusiness,aswellasinvestmentbankingandtrustbusinesslicense,willnotbeobviouslyaffec
