互联网金融模式探析摘 要随着信息技术的快速进展和应用，大数据、云计算、社交网络和搜索引擎等互联网技术对传统金融模式产生了根本性影响，萌发出互联网金融这一新型的模式。互联网金融热潮正在全国范围内蔓延，引发了全社会的广泛关注，这一现象发生的大背景是在我国进行全面的金融改革与利率市场化的前提下开始的，具有重要节点的意义。关于对互联网金融的理论观点，大家呈现出百花齐放的态势，从专家学者到企业家甚至普通的老百姓都在谈论着互联网金融的话题。但对于互联网金融模式的界定，以及互联网金融未来的进展前景，大家似乎各自持有不同的看法和见解，并没有形成统一的论调。针对我国互联网金融高速进展的现状，有必要对互联网金融模式进行深化的讨论，以把握其进展脉象和态势。本文确定以互联网金融模式为讨论课题，从概念入手，结合国内外的进展现状归纳出互联网的六大金融模式，并借鉴国际先进模式经验，得出互联网金融是全球进展大势所趋的结论。因此应顺应这一进展趋势，支持和鼓舞互联网金融模式创新，并针对其进展中遇到的金融风险和阻碍给予必要的扶持和相应有效的监管措施。关键词：互联网金融、P2P 网贷、大数据、众筹、金融监管ABSTRACTWith the internet technologies developing and applying, such as big data, cloud computing, social networks and search engines, have a fundamental impact on the financial sector, leading to the generation of Internet financial model. The boom of Internet finance is spreading across China, sparked concern of the whole society, which is crucial for us, under the background of comprehensive financial reform and Internet rate liberalization. The topic about Internet finance is discussed between experts, entrepreneurs, and even ordinary people. However, it does not seem to reach a consensus on the Internet financial model. Due to the rapid development of Internet finance in China recently, it is necessary to conduct in-depth research on Internet financial model, in order to grasp the pulse of its development. This thesis introduce the concept of Internet finance, then su...
