| In recent years, the Internet finance---- this new type of financial model grew rapidly, developed all over the world. In foreign countries, in the late 1970 s and early 80 s the Internet finance appeared. In our country, pay-and-escrow, third-party payment and other financial instruments are using the Internet, it has a broad market prospect in our country. Internet finance development momentum is more and more rapidly.Internet finance is, in general, a network technology, communication technology, mobile technology and the fusion of modern finance, seepage, it is to use the Internet network, communication technology, mobile technology to implement the financial products and services of a new kind of financial model with financing, online payment, information sharing, quick and easy.Researching the Internet finance is the realistic need of financial development. Internet financial different from traditional financial pattern, is a kind of innovation, for the traditional financial pattern is both a challenge and also a new opportunity. Study the development of Internet finance in our country is an exploration of the new financial patterns,it is a kind of financial innovation. Research on Internet finance development model has important theoretical significance. Research the Internet financial theory is a kind of innovation and challenge to the traditional financial theory. The development of the Internet financial let us rethink the definition of financial, rethink the currency and the definition of some of the new network concept, the connotation of financial instruments. Extensive financial, financial, and the emergence of the financial form, make financial increasingly blurred border, which requires further research and exploration in theory.In 2015 the government work report, prime minister Li Keqiang pointed out that to promote the development of financial markets, financial promote the development of the real economy, reduce the financing cost, promote the healthy development of the Internet finance. Internet finance for the economic development of China in particular, has played a more and more obviousIn this paper, the concept, related theory and development of the Internet finance practice, studies the three different kinds of Internet financial development model, looking to the future of the Internet financial development prospects. An introduction to the first chapter elaborated the research background, literature review and research methods, the difficult points. The second chapter is the summary of Internet finance theory study of the financial innovation, financial development model and theory of financial risk prevention. The third chapter use Paypal, alipay, balance financial products for examples to expound the background of Internet finance development at home and abroad, the function and development of traditional financial practice. The fourth chapter expounds the third-party payment platform model, P2P financing model, financing model of the three different kinds of characteristics and patterns of Internet finance risk. The fifth chapter for the development of the Internet finance prospects and future trend is prospected.In a word, the Internet finance from scratch, from there to gradually formed the scale, especially after recent years of rapid development, has got more and more welcome of countries and enterprises and the masses of users and support, at the same time, the Internet finance, as a new industry for China’s economic development has played a very important role. The future of the Internet finance is bright, let us look forward to its better development. |
