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在信息技术以及网络业务日新月异的中国,各行各业的发展都逐渐面向普及化、大众化,互联网通过积累的大量数据资源,使得金融业的发展从资源配置极不对称转变为普惠大众的新金融。随着互联网金融革命带来的机遇与挑战,研究现阶段互联网金融的商业模式与风险来源,把握互联网金融业的发展动向有利于掌握中国经济转型方向。
In China, where information technology and network services are evolving rapidly, the development of all walks of life has gradually become popular and popular. The Internet has transformed the financial industry from a highly asymmetric allocation of resources to a new financial system that benefits the general public through the accumulation of large amounts of data resources . With the opportunities and challenges brought by the Internet financial revolution, studying the business models and sources of risks in Internet finance at this stage and grasping the development trend of the Internet finance industry will help grasp the direction of China’s economic restructuring.