Internet Financial Products Innovation Research

At present,under the rapid development of social economy,science and technology innovation and development,the Internet has become a key carrier to promote the development of society.At the same time,the Internet financial products based on a modern electronic information technology,especially in cloud computing,social networking,the rapid development of mobile payment and search engine etc,greatly influenced the operation mode of the traditional financial products.With people's consumption habits,the significant changes of lifestyle,etc,in order to "balance","borrowed" particles,"pay treasure" for the typical Internet financial product is constant innovation and change the traditional pattern of financial markets.Through different Angle of view to observe,Internet financial products can be found in the process of continuous innovation and development still exist some problems,first from a macro perspective,because of the Internet financial products is still in the exploratory stage in China,there are the main body,the mechanism and the imperfection of laws and regulations,etc,for the entire product innovation and development to form the restriction.Secondly from the micro perspective,because at the beginning of the financial products in the design of the Internet in China is still using imitation reference model,for the product safety,convenience,complementary aspects such as the lack of thinking and design,risk and inconvenience to users of the products,also affect the rapid development of Internet financial products.Therefore,under the background of the development,strengthen financial products innovation of the Internet has very important practical significance.In order to further strengthen the analysis of the Internet financial products,SHFFT,for example,this paper analyzes from the Angle of product type,the innovation and discussed.This paper mainly divided into the theory analysis and case analysis two parts.This paper first reviewed the domestic and foreign literature on financial products innovation and financial research literature on the Internet,on the basis of the financial products and financial products on the Internet definition,and through the incomplete market theory,financial intermediation theory,cost theory,innovation theory of theoretical analysis for the study of traditional financial products and the relationship between Internet financial products provide the basis theory,secondly,combine the domestic current situation of the development of the Internet financial products and carries on the analysis,respectively from the different Angle of view,sums up the current Internet financial products in terms of safety,convenience,complementarity problems.Then to SHFFT company research anddevelopment of "sticker card phone bank","community bank","big data credit",such as the Internet financial products as an example,from the aspects of practicability,security,complementary three Internet financial product innovation is introduced,finally for our country at present the Internet financial product innovation and optimization countermeasures and Suggestions.