Discussion and research on Internet financial model

翟付夷

1 The development connotation of Internet financial model

In the financial market， the development of Internet finance is a new subject. The development of Internet finance mode has promoted the innovation of the world financial field. For the government， the emergence of new financial models is bound to accelerate the pace of local economic construction and drive economic growth; for the small and medium enterprises， the use of Internet finance can simplify its cumbersome financing process， and further strengthen the economic benefits of enterprises. However， the emergence and development of Internet finance also need to have adequate regulatory mechanisms to be restricted and improved， and its development also needs the relevant departments to give the necessary constraints.

2 The importance of the Internet financial model

With the rapid advancement of information technology， Internet finance has been widely used. At this stage， the Internet financial model has accelerated the process of innovation， and a "hundred flowers bloom" situation has emerged， with the emergence of third-party payment， cloud computing finance， big data finance， crowdfunding and other Internet financial platforms， this has also greatly broadened the traditional financial volume of business， in this context， people do not leave home can get more management. For example， nowadays， many young people have gradually changed their traditional offline shopping habits， and instead use payment software such as wechat and Alipay to make online purchases， or set up small shops on the Internet， cHOOSE IDLE FUNDS TO CARRY OUT NETWORK INVESTMENT， financial management， and so on.

3 The current situation and strengthening strategy of Internet financial model

Internet financial content needs to be fully improved and integrated， and the third-party payment， big data finance and P2P network lending models need to be systematically integrated and refined. For example， we can speed up the reform process of the financial system and promote the further improvement and optimization of the efficiency and methods of commercial banks. In this process， it is necessary to reasonably examine the e-commerce operation process launched by commercial banks， deepen the reform process of the financial system in the interest rate market， and promote the efficiency and further improvement of commercial banks， relevant departments can further improve the Internet financial model and the insurance financial system by deepening the cooperation and reorganization mechanism with E-commerce， so as to further strengthen the Internet financial content.

References

Ju Suet Lin. Study on the operation mode and development strategy of Internet Finance [ J ] . Business Review of China， 2020（19） ： 69-70.

Setting： Beijing Technology and Business University 101118