互联网金融发展的现状与前景分析
毕业论文关键词：互联网金融； 大数据；监管
Abstract
In recent years, with the rapid development of Internet industry, some new technologies such as social networking, e-commerce, mobile payment, big data and cloud computing have gradually come into sight.They are widely applied to the financial field and Internet finance comes into being.As Internet finance opens up a new financial channel and provides a convenient payment method for the public, it not only makes up for deficiencies in traditional financial micro-credit ,but also promotes the innovation and reform in the financial sector.Based on the analysis of present situation, this article finds that on the one hand,with the advantages of low cost, high efficiency and wide coverage,the Internet finance flourishes in our country .On the other hand, our country's legal system, supervision system and internal control system are beyond the reach of the special request of Internet finance because it is still a fresh and immature industry nowadays.So it still has a lot of hidden risks.Then according to these current problems, this article puts forward some relevant proposals from legal aspect,regulatory aspect and industry self-discipline aspect. Finally ,based on current development situation and related trends , the Internet financial prospects of our country are into the discussion.
Key words： Internet finance；Big data; Supervision
目 录
摘 要Ⅰ
AbstractⅡ
一、互联网金融的概念和特征1
㈠ 互联网金融的概念1
㈡ 互联网金融的特征 1
㈢ 互联网金融的影响2
二、我国互联网金融发展的现状2
㈠ 第三方支付类2
㈡ 互联网融资类3
㈢ 互联网理财类6
㈣ 信息化金融机构6
三、我国互联网金融目前存在的主要问题8
㈠ 法律制度尚不完善，存在法律盲区8
㈡ 外部监管缺位，行业自律缺乏9
㈢ 技术性风险突出，信息保护措施薄弱10
㈣ 互联网金融自身业务风险显现10
㈤ 模式创新、扭曲不符合我国经济状况10
四、互联网金融健康发展的措施建议11
㈠ 尽快完善互联网金融的法律制度11
㈡ 构建有效的互联网金融监管体系11
㈢ 建立行业自律规范11
㈣ 完善信用体系的建设12
㈤ 加强消费者权益保护12
五、互联网金融发展前景分析12
㈠ 互联网金融行业竞争压力加大，优胜劣汰加剧12
㈡ 互联网金融产品及服务创新力度加大13
㈢ 大数据资源成为核心竞争力13
㈣ 移动支付迎来高速发展期13
㈤ 互联网金融与传统金融在激烈竞争中加速融合14
参考文献15
致 谢 16
我国互联网金融发展的现状和前景分析
一、互联网金融的概念和特征
（一）互联网金融的概念
目前，关于“互联网金融”尚未有一致、明确的概念，就综合各大学者的观点来看，从狭义上来讲，互联网金融是指通过社交网络、移动支付、大数据、云计算等这些现代高新技术，在网络虚拟空间上进行资金融通、资源配置及提供金融服务的新型金融服务形式。从广义上来讲，还应该包括与其运作模式相匹配的互联网金融机构、互联网金融市场及监管等外部环境。
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