1, which means that traditional financial institutions cooperate with internet companies to realize financial service innovation by using internet platform and related technologies.
2. The emergence of Internet finance conforms to the actual development of society and meets the economic needs of society.
1) mutual fund is the abbreviation of internet finance. Internet finance (itfin) is a new type of finance that relies on Internet tools such as payment, cloud computing, social network, search engine and APP to realize financing, payment and information intermediary. Internet finance is not a simple combination of the Internet and the financial industry, but a new model and new business that naturally comes into being to meet new demands after being familiar with and accepted by users in security, mobile and other network technologies (especially the acceptance of e-commerce). It is a new field that combines the traditional financial industry with the spirit of the Internet. A new industry has emerged, and the relevant legal system is gradually being established.
2) Internet finance mainly studies modern financial theory, financial technology, Internet finance, management theory and e-commerce technology, and carries out financial data analysis and financial information system analysis and design. For example, the design of Yu 'ebao, financial modeling treasure and other investment and financial products, as well as data collection, analysis and management of financial products.
Internet finance is a new financial business model that combines traditional financial institutions with Internet enterprises (hereinafter referred to as practitioners) and uses Internet technology and information communication technology to realize financing, payment, investment and information intermediary services. The deep integration of Internet and finance is the general trend, which will have a far-reaching impact on financial products, businesses, organizations and services.
3) The development of Internet finance in China is much shorter than that in developed economies such as the United States and Europe. So far, China's internet finance can be roughly divided into three stages: the first stage is the traditional financial industry internetization stage from 65438 to 0990' s to 2005; The second stage is the vigorous development stage of third-party payment from 2005 to 20 12; The third stage is the development stage of internet entity financial business since 20 12. In the development of internet finance, domestic internet finance presents a variety of business models and operating mechanisms.