基于文献综述的互联网金融发展研究

作为现代信息技术与金融结合的新型金融业态,互联网金融以其在国内外的迅猛发展和对传统金融业带来的巨大冲击而受到学术界的广泛关注和研究。本文对互联网金融的已有研究成果进行述评。通过探讨互联网金融的内涵,分析其包括信息化与虚拟化、高效性与经济性、金融服务一体化、直接性与普惠性、风险性在内的五个特征,重点评析网络支付结算、网络融资、网络货币、网络投资理财等四个互联网金融模式种类,探究其对传统金融业带来的挑战,归纳其存在的风险特征并总结防范风险的对策建议。最后,预测与展望互联网金融的发展趋势及未来理论研究演进。

Research of the Internet Finance Based on the Literature Review

As the integration of the modern information technology and the finance. Internet Finance received widespread attention in academic circles because of its rapid development in domestic and foreign and its tremendous impact on the traditional finance industry. This article wants to gave a review on the existing literature research of the Internet Finance. Firstly, this paper makes a discussion on the connotation of the Internet Finance, and gives an analysis of its five features which including the information and virtualization, the efficient and economic, the integration of the financial services, the direct and inclusive, and the risk. Secondly, we focus on Intemet Finance＇s four kinds of models which are the financial payment settlement, the network financing, the network currency, and the network investment. Thirdly, the article explores the challenge to the traditional finance by the Internet Finance, summarizes the risk characteristics of the Internet Finance and gives the suggestions. Finally, we predict and prospect the development trend of the Internet Finance and the Theoretical research trends