【摘要】：在這個(gè)信息高速發(fā)展的社會(huì)，互聯(lián)網(wǎng)活動(dòng)是每個(gè)人每天都會(huì)接觸到的，相關(guān)的互聯(lián)網(wǎng)技術(shù)也逐漸開始融入到了各個(gè)領(lǐng)域，包括金融、新聞、醫(yī)藥等等，尤其最近幾年幾大有名的互聯(lián)網(wǎng)公司都開始涉足金融業(yè)務(wù)，試圖分羹。馬云作為中國(guó)最大電商企業(yè)阿里巴巴的掌門人，曾說(shuō)過：金融并不應(yīng)該是自?shī)首詷返模鴳?yīng)該是服務(wù)大眾的，它需要攪局者，更需要大家一起加入來(lái)變革。阿里巴巴去年6月推出的理財(cái)服務(wù)余額寶到今年三月底有了近十個(gè)月的成長(zhǎng)期了，目前余額寶已經(jīng)擁有了八千一百萬(wàn)用戶，總規(guī)模也超過了五千億。繼余額寶之后百度等也攜手基金公司，推出相關(guān)理財(cái)產(chǎn)品，吸納了豐盛的資金，這類理財(cái)服務(wù)通過網(wǎng)絡(luò)在短期內(nèi)成功吸納了較大的資金，這引起了金融業(yè)、互聯(lián)網(wǎng)業(yè)及全社會(huì)的關(guān)注。互聯(lián)網(wǎng)金融仿佛一夜間成為了時(shí)下最新最熱最時(shí)髦的話題。實(shí)際上，互聯(lián)網(wǎng)金融并不是第一次出現(xiàn)，也不是中國(guó)阿里首先開始的，早在十幾二十多年前國(guó)外發(fā)達(dá)國(guó)家和地區(qū)已經(jīng)出現(xiàn)了互聯(lián)網(wǎng)金融，只不過阿里巴巴作為國(guó)內(nèi)最有名的電商，，擁有比較多的客戶群和社會(huì)關(guān)注，以至于余額寶的推出掀起社會(huì)狂瀾，由此將互聯(lián)網(wǎng)金融一概念推到了社會(huì)大眾面前，引起全社會(huì)的討論和思考。作為一個(gè)還算是比較新的概念，對(duì)互聯(lián)網(wǎng)金融的前世今生進(jìn)行探討是十分必要并且有意義的。目前國(guó)內(nèi)外關(guān)于互聯(lián)網(wǎng)金融的理論研究較少，本文將通過分析互聯(lián)網(wǎng)金融的實(shí)際模式，研究其具體運(yùn)作、特點(diǎn)優(yōu)點(diǎn)等，讓大家對(duì)各類主流互聯(lián)網(wǎng)金融模式有個(gè)基本的了解。
[Abstract]:In this society where information is developing at a high speed, Internet activities are common to everyone every day, and relevant Internet technologies are gradually becoming integrated into various fields, including finance, news, medicine, and so on. In recent years, in particular, several famous Internet companies have been involved in financial business, trying to get a slice. Ma Yun, the head of Alibaba, China's largest e-commerce company, once said: finance should not be self-entertainment, but should serve the public, it needs spoilers, but also needs everyone to join in to change. Yu'e Bao, a wealth management service launched by Alibaba in June, had nearly 10 months of growth by the end of March this year, and now has 81 million users and a total size of more than 500 billion. After Yu'e Bao, Baidu and others also joined hands with fund companies to launch related financial management products and absorb abundant funds. This kind of financial services succeeded in absorbing large amounts of funds in the short term through the Internet, which led to the financial industry. The concern of the Internet industry and the whole society. Internet finance seems to have become the newest and most fashionable topic overnight. In fact, it is not the first time that Internet finance has appeared, nor has it been started by China's Ali. As early as more than 10 or 20 years ago, Internet finance appeared in developed countries and regions abroad. However, Alibaba, as the most famous e-commerce company in China, has more customers and social concern, so that the launch of Yu'e Bao set off a social frenzy, thus pushing the concept of Internet finance to the public. Cause the whole society to discuss and think. As a relatively new concept, it is necessary and meaningful to discuss the past life of Internet finance. At present, there are few theoretical studies on Internet finance at home and abroad. This paper will analyze the actual mode of Internet finance, study its specific operation, characteristics and advantages, so that we can have a basic understanding of all kinds of mainstream Internet financial models.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F724.6;F832.2

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