互联网对消费的影响机理研究摘要：互联网正处于飞速的发展，互联网也在影响人们生活的各个方面。对于人们的消费情况和随着经济的发展和社会的进步，互联网也正处于发展阶段，到目前为止，中国的互联网已经推出了网络化的传统业务、第三方支付、P2P网络借贷、众筹、大数据和第三方服务平台等六种模式。但是正在发展中的互联网没有到达完善的地步，它还在不断地发展和创新，尤其从是2013年开始，互联网的内容不断地得到创新和丰富，这些创新和丰富与人们的生活息息相关这，主要表现为：银行方面的网络借贷业务、第三方支付和P2P网络借贷。关键词：互联网；消费；金融Abstract：TheInternetisdevelopingrapidlyandtheInternetisaffectingeveryaspectofpeople'slife.Forpeople'sconsumptionsituationandwiththedevelopmentofeconomyandtheprogressofthesociety,theInternetalsoisinthestageofdevelopment,sofar,China'sInternethaslaunchedanetworkoftraditionalbusiness,thethirdpartypayment,P2Plending,theraise,bigdata,andthethirdpartyserviceplatformofsixkindsofpatterns.ButwasnotinthedevelopmentoftheInternettothepointofperfect,itisalsoinconstantdevelopmentandinnovation,especiallyfromthebeginningin2013,theInternetbeconstantlyinnovationandrichcontent,theinnovationandrichiscloselyrelatedtopeople'slivesthat,mainshowis:banklendingbusinessaspectsofthenetwork,thethirdpartypaymentandP2Plending.Keywords:Internet;Consumption;financial目录..........................................1....................................1....................................1....................................1................................2....................................2..........................3..................3..................5..............................5..............................6..............................7....................7..............................7..........................8..........................8....................9.................10...11.......................................11...................................11.................................12...................14.........................14...........................15.......18.............................18.......................18.............................18.....................18...................19...............................19...........................19........................19.............................19.........................20.........................20...............20...................................20.........................21.............22.................22...................................22...................................22.................23...23.......................24.............25.........................25.....................25.....................25...............25.......................26.............................................30.........................................30.............................................30.............................................301互联网对消费影响机理研究一、绪论（一）研究背景随着互联网的不断快速发展，互联网越来越影响着人们生活的各个方面。人们的消费情况和观念、经济的发展和社会的进步，互联网也一直处于发展阶段，到目前为止中国的互联网已经推出了网络化的传统业务、第三方支付大数据、众筹P2P网络借贷、众筹和第三方服务平台等六种模式。[1]但是正在发展中的互联网没有到达完善的地步，它还在不断地发展和创新，尤其从是最近几年，互联网的内容不断地得到创新和丰富，这些方式与人们的生活密不可分。消费者在互联网的影...
