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在十八届三中全会提出的发展普惠制金融、小微金融、支农金融的背景下,2013年互联网金融发展迅速。阿里巴巴“余额宝”资金快速上涨,截至2014年1月15日,已达2500亿元,年化收益率为6.695%。“网易理财”、“微信理财”、“零钱包”也陆续推出。2013年,P2P网贷行业整体总成交量达1058亿元、贷款存量为268亿元、出借人数高达20万人。互联网金融的快速发展引起了
In the context of developing the GSP, small and micro finance, and supporting agriculture finance proposed by the Third Plenary Session of the 18th CPC Central Committee, Internet finance developed rapidly in 2013. Alibaba “balance treasure ” funds rose rapidly, as of January 15, 2014, has reached 250 billion yuan, the annualized yield of 6.695%. “Netease Money ”, “WeChat Money ”, “purse ” also launched. In 2013, the total net trading volume of P2P net loan industry reached 105.8 billion yuan, with a loan stock of 26.8 billion yuan and a loan of up to 200,000. The rapid development of Internet finance has aroused