Internet Financial Model Improvement Research

Internet banking is the combination of traditional financial industry and Internet spirit.At present,the science and technology companies headed by Alibaba have already begun to practice,and make their connotation and denotation continue to change and expand.For Internet banking,its core should be finance,and its significance does not lie in the replacement of traditional finance,but by means of communication technology,so that many breakthroughs can be made in traditional finance.Based on the large amount of data stored in network and mining technology,network credit has emerged,which has provided great help for the development and application of traditional financial services and related tools.At the same time,a large number of Internet companies represented by Alibaba Group have taken a fancy to this emerging industry and kept coming in.With the rise of the Internet finance industry,the government has promulgated many policies to guide the development of the industry.The past three years is China's fastest growing Internet finance three years and is the Internet financial industry in our country in the international financial industry overtaking three years,because of the rapid development of this industry not only thanks to the strong support of our government,but also due to the increasing investment in enterprise innovation,but we should also see that the laws and regulations that accompany it have not been perfected yet and some industry standards have not yet been established.Therefore,more attention needs to be paid by the government and enterprises.In this context,this study selects Alibaba created by Alibaba Group as the research object,conducts an in-depth analysis and summary of Alibaba's development course,operation mode and core strategy,and compares with other small loan modes,Summed up the advantages and limitations of Ali's mini-loan model and the successful experience of Ali's financial model.On this basis,drawing lessons from the innovative experiences and enlightenments of Ali's financial model,this paper studies the development strategies of the same type of Internet financial institutions in our country and puts forward six development strategies.There are two main innovations in this paper: first,the research object is relatively new.Internet banking is a business model that has only recently appeared and developed rapidly.The existing research is scattered in various modes of analysis,and lacks the overall analysis of the industry.Second,the new comparative law.From the commercial practice of the Internet financial model,reviewed the past development of Alibaba,compared Ali financial and other Internet financial model,there is a strong practice targeted.This study has played an important role in solving the problems encountered by the Internet financial institutions in the current development.It can effectively standardize the various businesses of Internet financial institutions in our country and is of great significance for promoting the innovation of Internet financial institutions.It can safeguard the healthy development of China's Internet financial institutions.