试述“互联网金融”

发布时间：2018-09-04 17:19

【摘要】：在这个信息高速发展的社会，互联网活动是每个人每天都会接触到的，相关的互联网技术也逐渐开始融入到了各个领域，包括金融、新闻、医药等等，尤其最近几年几大有名的互联网公司都开始涉足金融业务，试图分羹。马云作为中国最大电商企业阿里巴巴的掌门人，曾说过：金融并不应该是自娱自乐的，而应该是服务大众的，它需要搅局者，更需要大家一起加入来变革。阿里巴巴去年6月推出的理财服务余额宝到今年三月底有了近十个月的成长期了，目前余额宝已经拥有了八千一百万用户，总规模也超过了五千亿。继余额宝之后百度等也携手基金公司，推出相关理财产品，吸纳了丰盛的资金，这类理财服务通过网络在短期内成功吸纳了较大的资金，这引起了金融业、互联网业及全社会的关注。互联网金融仿佛一夜间成为了时下最新最热最时髦的话题。实际上，互联网金融并不是第一次出现，也不是中国阿里首先开始的，早在十几二十多年前国外发达国家和地区已经出现了互联网金融，只不过阿里巴巴作为国内最有名的电商，，拥有比较多的客户群和社会关注，以至于余额宝的推出掀起社会狂澜，由此将互联网金融一概念推到了社会大众面前，引起全社会的讨论和思考。作为一个还算是比较新的概念，对互联网金融的前世今生进行探讨是十分必要并且有意义的。目前国内外关于互联网金融的理论研究较少，本文将通过分析互联网金融的实际模式，研究其具体运作、特点优点等，让大家对各类主流互联网金融模式有个基本的了解。
[Abstract]:In this society where information is developing at a high speed, Internet activities are common to everyone every day, and relevant Internet technologies are gradually becoming integrated into various fields, including finance, news, medicine, and so on. In recent years, in particular, several famous Internet companies have been involved in financial business, trying to get a slice. Ma Yun, the head of Alibaba, China's largest e-commerce company, once said: finance should not be self-entertainment, but should serve the public, it needs spoilers, but also needs everyone to join in to change. Yu'e Bao, a wealth management service launched by Alibaba in June, had nearly 10 months of growth by the end of March this year, and now has 81 million users and a total size of more than 500 billion. After Yu'e Bao, Baidu and others also joined hands with fund companies to launch related financial management products and absorb abundant funds. This kind of financial services succeeded in absorbing large amounts of funds in the short term through the Internet, which led to the financial industry. The concern of the Internet industry and the whole society. Internet finance seems to have become the newest and most fashionable topic overnight. In fact, it is not the first time that Internet finance has appeared, nor has it been started by China's Ali. As early as more than 10 or 20 years ago, Internet finance appeared in developed countries and regions abroad. However, Alibaba, as the most famous e-commerce company in China, has more customers and social concern, so that the launch of Yu'e Bao set off a social frenzy, thus pushing the concept of Internet finance to the public. Cause the whole society to discuss and think. As a relatively new concept, it is necessary and meaningful to discuss the past life of Internet finance. At present, there are few theoretical studies on Internet finance at home and abroad. This paper will analyze the actual mode of Internet finance, study its specific operation, characteristics and advantages, so that we can have a basic understanding of all kinds of mainstream Internet financial models.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F724.6;F832.2

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