互联网消费金融发展趋势研究  

The Development Trend of the Internet Consumer Finance Research

作　　者：刘昕[1] 

机构地区：[1]郑州师范学院经济与管理学院,河南郑州450044

出　　处：《长春金融高等专科学校学报》2017年第2期58-64,共7页Journal of Changchun Finance College

基　　金：2014年河南省政府决策研究招标课题(2012B772);河南省软科学规划项目(142400410005);2012年度河南省哲学社会科学规划项目(2012BJJ028)

摘　　要：自2013年6月"阿里金融·余额宝"上线以来,互联网消费金融开始进入大众的视野,由于互联网"开放、平等、协作、共享"的理念可以很好地解决金融领域信息不对称的难题,因此,它刚一出现就凭借其高效的金融功能运行速率和完美的金融服务结构性匹配迅速占领市场。互联网金融的发展如火如荼,但是随着互金协会成立、互金监管落地以及行业洗牌加剧,互联网金融在野蛮生长过后会逐渐步入理性增长期。未来互联网金融可能会呈现多种发展新趋势。互联网金融企业如何扩大市场份额,掌握发展先机,将会决定互联网金融企业的命运。＂Ali Finance · Balance Po＂ is on the line in June in 2013, the internet consumer finance began to enter the public＇s vision as a new concept and field, because the internet ＂open, equal, collaboration,sharing＂ concept can be a good solution to the financial sector information asymmetry problem, so it just appeared to rely on its efficient financial function to run the rate and perfect financial services to match the structure of the rapid occupation of the market. 2015 is known as the first year of internet finance, the development of internet finance in full swing, but with the establishment of mutual gold association, mutual financial supervision and industry reshuffle intensified trend more and clearer, the future of internet finance in the brutal growth will gradually step into the rational growth period. On the basis of this, in 2017,the field of internet finance innovation will show many new trends. How to expand the market share of internet financial enterprises, master the development opportunities, will determine the fate of Internet financial enterprises.

关 键 词：互联网消费金融 养老金融 互联网保险 金融科技 区块链技术 

分 类 号：F832.5[经济管理—金融学]