金融机构互联网金融发展研究

The Research on Internet Finance Development of Financial Institution

互联网金融是金融、技术领域最为热门的话题。本文通过对互联网金融发展历程的介绍,分析互联网金融发展的内生五大因素。接着,本文对互联网金融的主要产品进行了归纳和总结,在此基础上提出金融机构如何有效应对互联网金融的冲击,并乘机在这一轮互联网金融热中占领高地,突破传统业务的束缚,拓展盈利空间,实现线上线下的交互式可持续发展。

Internet finance has been becoming the most hot topic right now in the field of technology and finance. The paper introduces the development process of internet finance and gives the five main inner factors of internet finance development. The paper summarize the internet finance products and makes the suggestion for the finance institution on how to deal with the impacts of the internet finance properly, occupy the highlands of internet finance, break through the bound of traditional business, widen the space of profit and achieve the interactive development between on line and out of line .