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2010年,互联网金融概念首次在国内提出。随后,以第三方支付、网络信贷、众筹融资为代表的互联网金融模式以其便捷、低成本和强大的数据积累等优势得以迅猛发展。2013年,我国金融机构和非金融机构在互联网金融领域加速发展(见表1),同时,互联网金融也得到多方认可(见表2),行业发展逐步规范。互联网金融的迅猛发展,对传统的商业银行造成了冲击。虽然当前商业银行在互联网金融领域规模优势明显,但
In 2010, the concept of Internet finance was first introduced in China. Subsequently, the internet finance model, represented by third-party payment, online credit and crowdfunding financing, developed rapidly with its advantages of convenience, low cost and strong data accumulation. In 2013, China’s financial institutions and non-financial institutions accelerated their development in the field of Internet finance (Table 1). In the meantime, Internet finance was also approved by various parties (see Table 2), and the industry developed gradually. The rapid development of Internet finance has hit the traditional commercial banks. Although the current commercial banks have obvious advantages in scale in Internet finance,