我国网络金融的现状与发展趋势分析摘要随着社会经济与互联网的快速发展，越来越多的互联网企业借助自身的信息优势涉足金融领域，以其便捷高效等特点对传统金融造成巨大的冲击，网络金融发展前景良好，但是也存在不少的问题亟待解决。本文对我国网络金融的现状与发展趋势进行探析，第一部分界定概念、概述国内外研究现状，为本文奠定理论研究方向；第二部分从第三方支付平台、服务平台、P2P 网络贷款、众筹模式、大数据金融角度对我国网络金融发展现状进行描述；第三部分依据我国网络金融现状分析我国网络金融发展的趋势，即共生趋势、去重量化趋势、时空通融趋势以及金融全能化趋势；第四部分探析我国网络金融发展中存在的问题与原因；第五部分针对我国网络金融发展中存在问题提出推进我国网络金融发展的措施，最后进行总结。以期为我国网络金融的进一步发展提供参考。关键词：金融；网络金融；发展趋势An Analysis of the Status Quo and Development Tendency of Network Finance in ChinaAbstractWith the rapid development of the social economy and the Internet, more and more Internet companies have taken advantage of their own information to get involved in the financial field. With their convenient and efficient characteristics, the traditional finance has a great impact, but the development of network finance is good. Less problem to be solved. In the second part, the third part of the paper is divided into three parts: the third-party payment platform, the service platform, the P2P network loan, the model of the public financing, and the model of the public financing. , Large-scale financial point of view of the development of China's online financial status of the description; the third part of China's online financial analysis based on the status quo of China's Internet finance trends, that symbiotic trend, to weight trends, spatial and temporal trends and financial all-around trend; The part analyzes the problems and causes of the development of network finance...
