摘要当下,中国仍处于重要的战略机遇期,挑战与机遇并存,能否能抓住机遇,取决于人们能否正确认识经济发展的“新常态”。经济决定金融,金融又是经济的核心,基于经济和金融这一基本关系,在经济的"新常态"下,互联网金融的出现和迅猛发展促进了经济的发展。在互联网金融突破传统金融格局,向其不断发起猛烈攻击的当下的中国,金融创新尤其是互联网金融创新正在改写金融业态的版图。当下互联网金融面临监管、技术、信息不对称和线上线下一致等约束,相关机构必须全面沿着金融创新和良性发展的路线走大数据之路,通过并购等方式提升内生动力,促进个人征信发展,加强开放合作,全面提升技术和安全防范水平。本文就从中国经济新常态的本质出发，分析了互联网金融的特点与意义，概括出互联网金融的发展现状与问题，进而寻求出互联网金融的发展方向。关键词：经济新常态互联网金融发展AbstractChinaisstillinanimportantperiodofstrategicopportunities,challengesandopportunitiescoexist,whethercanseizetheopportunity,dependsonwhetherpeoplecanunderstandthe"newnormal"ofeconomicdevelopment.Economicfinancialdecision,thecoreofthefinancialandeconomic,thebasicrelationbasedoneconomicandfinancial,underthe"newnormal"oftheeconomy,theemergenceoftheInternetfinancialrapiddevelopmentandpromotethedevelopmentoftheeconomy.IntheInternetfinancialbreakthroughtraditionalfinancialpattern,toitsviolentattackbytoday'sChina,financialinnovation,especiallytheInternetfinancialinnovationisrewriteoffinancialstatemap.CurrentInternetfinancialregulation,technology,informationasymmetryandconsistentconstraints,suchasonlineagenciesmustfollowingthefinancialinnovationandthebenigndevelopmentroutegothewayofbigdata,throughacquisitionsandenhanceendogenousmotivation,promotesthedevelopmentofpersonalcreditreporting,strengthenopencooperation,improvetechnologyandsafetylevel.Inthispaper,basedontheessenceofChina'seconomyisthenewnormal,analysesthecharacteristicsoftheInternetfinancialandsignificance,OutlinesthedevelopmentoftheInternetfinancialstatusquoandproblems,andtoseekoutthedevelopmentdirectionoftheInternetfinancial.Keywords:economyThenewnormalInternetfinancialThedevelopmentofII目录一、新常态相关概述..................................................1（一）新常态含义................................................1（二）新常态与互联网金融的关系..................................1二、互联网金融概述..................................................1（一）互联网金融含义............................................2（二）互联网金融的类型..........................................21.支付结算类.................................................22.金融类.....................................................33.投资理财类.................................................3（三）互联网金融的优势..........................................31.互联网金融的实时实效性.....................................32.互联网金融理财更加全面化...................................43.互联网金融信息公开、更新快，更便捷.........................44.互联网成本更低，效益更高...................................5三、中国经济新常态下互联网金融的现状................................5（一）互联网金融发展的多元化....................................5（二）互联网金融竞争模式新颖化..................................6（三）互联网金融资源配置合理化..................................6（四）互联网金融时代化..........................................6（五）互联网金融完善化..........................................7四、中国经济新常态下互联网金融的不足............................
