Three New Chinese Internet Finance Investment And Financing Model Research

Since the1990s, along with the continued innovation and rapid development of Internettechnology and internet enterprises, Internet finance, which is treated as an emerging technologyand new business models, are also undergoing the process of recognition, understanding,acceptance and high hopes from people. Due to persistent innovation, internet companies arecontinuously creating commercial myths with an unprecedented speed and keeping stimulatingpeople’s cognitive sense, so that in the view of common people, internet companies is right thesynonymous of innovation, because of its ability to transform the traditional business models tonew, and make people’s lives change dramatically.There is a popular belief that the year2013is the first year of an era of the Internetfinancial, in which a lot of internet companies started to get involved in the business of financialsector. They are opening up a new Chinese "Pan-financial" era. At present, thanks to theinnovation in an unprecedented rapid development, changes come to us every day.So, what is Internet financial? Is Internet financial really capable to become a fundamentalchallenge to the traditional financial sector? Which kind of Internet financial models is mostlikely to success in the end?Base on the current theories and practices on internet financial, the author redefines thedefinition and scope of the internet financial in perspective of the distinguished core customer.In use of "The theory of long tail","The theory of disruptive innovation" and “The theory offinancial disintermediation”, the author analyses the theoretical basis of internet financialsubverting the traditional financial industry. At last, by means of the actual investigation andsurvey, the author focus on analyzing the three representative modes of Internet financial-P2P,Crowd-funding and Yu’EBao, in order to clear the current difficulties they meet and discuss theprospective development of these three models.