Internet Financial Industry Development Research In Our Country

Internet financial refers to Internet companies and the traditional financial institutions use the Internet technology and information communication technology to realize financing, payment, investment, and emerging financial information intermediary services business model. Including Internet companies to develop financial business of the Internet, the traditional financial institutions and non-governmental organizations or civil society organizations make full use of national surplus capital of P2P network loans or the suggests three modes, etc.Because of the Internet financial development starts late in our country, the formulation of relevant laws and regulations, the improvement of the regulatory model series, and the construction of supporting facilities did not keep up with the pace of development, resulting in its booming, P2P network information security problems, run phenomenon and how to effectively coordinate the Internet concentrated financial healthy development together with the traditional financial institutions, etc. So in theory and practice, the Internet financial industry research has certain positive meaning.In this paper, the research content is based on the analysis of a large number of existing research literature on the Internet, on the basis of corporate governance modes, sociology theory knowledge, such as wealth management and industry building in this paper, we study the important basis of theoretical support. The purpose of this paper is to from the perspective of corporate governance and industrial development, based on a good Internet financial industry ecology, forming rational wealth manages view, through to our country Internet financial operation mode and strategic orientation, industry regulation mode, wealth management skills, and detailed analysis of the internal governance and regulatory control, and the following main conclusions:Internet financial companies first need through the establishment of common goal to strengthen mechanism of employees, including institutional and institutional constraints and incentive mechanism; Promote company wealth management ability, and speed up the improvement of the risk control mechanism; Form a mutual trust and cooperation of the company culture; Establish internal control mode of governance, to achieve financial commitment of capital management mode, to speed up the company continuously innovation of productive resources. Secondly based on the development of the Internet financial industry, companies need to actively explore with other companies within the industry cooperation and achieve win-win development mode, establish a concurrence of industrial ecology. The Internet company also need to assume corresponding social responsibility, through the company’s internal governance to promote industrial development and social progress, social progress and further promote the optimization and upgrading of industrial structure and the sustainable development of the company, to achieve the company development, industrial development and social progress of a virtuous cycle.This paper content is divided into five chapters:the first part is introduction; The second part introduces the Internet financial basic theory, enrich the basic theory of support for this research provided. The third part introduces the financial status of development of the Internet in China. The fourth part focuses on analyzing some problems of the development of the Internet financial industry in China; The fifth part mainly analyzes the existing problems of the fourth part gives the perfect Suggestions; The sixth part is mainly to the summary of the full text studies, including research insufficiency, the further research in this paper.