陈妍哲《互联网金融的发展探讨》

毕 业 论 文

互联网金融的发展探讨

学生姓名： 专业班级： 指导教师： 学 院：

陈妍哲 2011级会计4班 岳上植 教授 经济管理学院

2015年 月

互联网金融的发展探讨

摘要

本文以金融和互联网理论为指导，以当今互联网金融的发展现状，并且结合着现实案例，对互联网金融业发展的现状与趋势进行研究调查。并针对性的提出合理性的建议和意见，为互联网金融稳定健康的发展道路做一些微博的贡献。

我国的金融业已经逐渐伴随着金融全球化和综合化的快速发展进入了互联网金融阶段。在这一阶段，互联网用户快速增长，网络消费对当今社会的冲击与影响，这些都是为互联网金融的发展提供了良好的外部条件。互联网金融的快速发展，在满足实体经济发展、推进我国利率市场化、信息技术革新、普惠金融的发展等方面都发挥着积极作用。

互联网的前进道路中，有非常多的分支与概念，然而与其最为密切的当属电子商务。当今互联网金融的概念，如电子支付和网络贷款，多由电子商务派生而来。因此对互联网金融的发展展开研究，实质上也是对电子商务和电商的发展展开了研究。也就是对互联网金融进行了详细的阐述。

我国金融体系的完善离不开互联网金融的影响，但同时，互联网金融也存在着诸多问题，而本文则是通过发现其中的问题后，对其提出合理的建议，促进其健康的发展步调，这对中国金融业的演进方向具有极其深远的指导意义。

关键词：微信平台； 金融模式；互联网金融

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Explore the development of Internet banking

Abstract

In this paper，financial and Internet theory,based on the current status of Internet banking at home and abroad,combined with the actual case,a study of the status and development trends of Internet financial industry.And targeted nature of reasonable suggestions and comments for the sustained and healthy development of the Internet to make a modest financial contribution. With financial globalization and integration to further enhance the development trend of China’s financial industry has access to the Internet financial stage.At this stage,with the sharp increase in Internet users,consumer spending habits gradually formed a network to provide a favorable external conditions for the development of Internet banking.The rapid development of Internet banking,to meet the real economic development,promoting respect of the interest rate market,IT innovation,the development of inclusive finance plays an active role.

In many branches and concept of the Internet,the Internet banking concept was undoubtedly the most closely related e-commerce.The concept of today’s Internet banking,electronic payment and credit networks,multiple derived from the e-commerce.So study the development of Internet banking,in essence,is to study the development of e-commerce and electronic business.Internet banking is carried out in detail.

Internet banking has important significance for the improvement of our financial system,at the same time,this nascent financial things,there are also many problems,this paper put forward reasonable proposals to the healthy development of the discovery of the problem on the basis of which the evolution of China’s financial industry direction of far-reaching significance.

Keywords:Micro-channel platform ；Financial model ；Internet banking

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目录

目录 .............................................................................................................................................. 0 1前言 ........................................................................................................................................... 1 1.1 概述互联网的背景与意义 .................................................................................................. 1 1.1.1 选题的背景及问题的提出 ............................................................................................... 1 1.1.2 选题的意义 ....................................................................................................................... 1 1.2 互联网金融的国内外发展现状 .......................................................................................... 1 2 互联网金融的实例—微信平台的发展 ................................................................................. 2 2.1 微信平台介绍 ...................................................................................................................... 2 2.1.1 优势和发展 ....................................................................................................................... 2 2.1.2 战略方向 ........................................................................................................................... 3 2.2 微信的商业模式形态 .......................................................................................................... 4 3 互联网金融的产生及基本模式 ............................................................................................. 5 3.1 互联网金融的三种模式 ...................................................................................................... 5 3.1.1 电子支付手段 ................................................................................................................... 5 3.1.2 互联网贷款公司 ............................................................................................................... 5 3.1.3 在线借贷中介平台 ............................................................................................................ 6 4 互联网金融的问题及解决建议 ............................................................................................. 8 4.1 我国互联网金融在发展中面临的问题 .............................................................................. 8 4.1.1 外部监管及法律规范缺失 ............................................................................................... 8 4.1.2 信息安全问题日益突出 ................................................................................................... 8 4.2 对我国互联网金融发展建议 .............................................................................................. 8 4.2.1 加强政策支持力度之李克强总理的两会讲话 ............................................................... 8 4.2.2 加强体制机制和法规制度建设 ........................................................................................ 9 4.2.3 制定统一行业标准规范 .................................................................................................. 10 结论 .............................................................................................................................................11 参考文献 .................................................................................................................................... 12 致谢 ............................................................................................................................................ 13

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