essay代写：The development of Internet finance in China and the United States－r51due

下面为大家整理一篇优秀的essay代写范文- The development of Internet finance in China and the United States，供大家参考学习，这篇论文讨论了中美互联网金融的发展。整体上来讲，中美的市场发育程度是不同的。在90年代时，美国面临着通货膨胀，金融脱媒，货币市场基金迅速发展，存款增速下降，而中国正处于利率市场化改革的关键阶段，进行利率管制和一定的负债脱媒。对于中国而言，传统的互联网金融更占优势。互联网金融难以取代传统业。互联网金融是对传统业的升级、弥补、创新。

In 2013, it could be said that in the first year of the development of Internet finance in China, the emerging payment and credit models of P2P, crowdfunding, alipay and yu 'ebao were emerging. In the 1990s, Internet finance in the us reached a stage of vigorous development. The United States is the birthplace of civil Internet technology, and almost all kinds of Internet finance in China can find "templates" in the United States. From microscopic basic principle on China and the United States are the same, but from the macroscopic aspect, the development of the Internet financial background in China and the United States is different, the soundness of financial institutions and financial markets is still a big gap between the development degree. The American response to the impact of Internet finance is of great significance to China. However, due to the gap, China still needs to further compare, explore and explore, to prevent risks and conduct effective supervision. Based on this, this paper will review and compare the development of Internet finance in China and the United States, find out the differences and give some opinions on the future development of Internet finance in China.

Internet finance, the description of financial authorities in China is: payment, information intermediary and financing through Internet technology. In response, the industry for some of the impact of the Internet financial, can be divided into roughly divided into two main points: one is that Internet financial in the near future will disruptive impact on the traditional financial industry. First, it is believed that this new financial model is complementary and complementary to the traditional financial model, which is only the innovation in the channel, and is not fundamentally different from the traditional industry in essence.

China's Internet finance has several important forms, such as third-party payment and mobile payment, Internet in traditional financial industry, P2P and crowdfunding, big data finance and virtual currency. Here are some important categories to analyze:

First of all, it is the integration and upgrading of existing traditional financial services, which is more typical of online banking upgrade and ATM upgrade. And in monetary fund form innovation, such as yu 'ebao. In addition, the Internet provides institutions and platforms for traditional financial services, such as the fund network. Internet has brought the traditional financial upgrade, restructuring and optimization of the business, make the existing business more convenient, safe, and the improvement of the more efficient the basis of the traditional financial business operations and services.

As a new payment system, third-party payment is an important innovation of Internet finance. It mainly through the third-party payment platform and the mobile terminal intelligence, so that the payment system and the Internet convergence, the payment tends to network. Of course, there are many forms of mobile payment system, but the core principle is the gateway payment account mode. It mainly provides payment interface through third parties to connect customers and merchants, and USES third-party functions to pay and guarantee. Alipay is to establish a third-party payment system through a deposit account.

The Internet credit business is mainly to conduct network loans, such as P2P and big data finance to carry out online bond financing, crowdfunding, and network equity financing. P2P is based on mutual trust mechanism to conduct loan transaction; Big data finance is the direct use of data in the market to match customers. The Internet credit business accelerated financial disintermediation and financing, skipped commercial Banks to raise funds to handle loans, and to a certain extent hit the basic business of commercial Banks.

The most typical Internet virtual currency is bitcoin. Virtual currency up to a certain extent affected the monetary policy and the currency issue, but because our country the virtual currency regulation is very strict, almost never use it circulation, so the virtual currency did not bring substantial influence our country's traditional business.

In essence, the United States does not have the concept of Internet finance, which they call "electronic finance". This concept is clearly broader than the concept of Internet finance. Due to the long history of Internet finance in the United States, the following paragraphs will analyze the Internet finance in the United States from several different historical stages:

In the early 1990s, the world wide web and web browsers developed in tandem, allowing the Internet to spread to finance and commerce. In 1993, through the network economics theory, the popularity of the Internet financial financial transaction cost is greatly reduced, and increased the size of financial markets, the information revolution is to solve the asymmetric information, the financial market to further expand the scale, which makes the liquidity increases significantly, derivatives markets began to flourish, the formation of scale economy more accelerated the financial disintermediation.

After 2000, America's investment in high technology declined significantly, and investors' mentality gradually changed from blind optimism to calm and rational. Due to the impact of the Internet, large Banks and other financial institutions tend to be informationized and networked. The increase of liquidity in financial market makes the structure and strategy of traditional financial institutions have changed greatly. The us market faces huge regulatory challenges. The research and coping strategies of this stage in the United States undoubtedly have great inspiration and reference significance to China.

In 2007, P2P lending to customers became an online financing platform with great potential. In 2009, crowdfunding -- a new model of Internet finance emerged. It raises small amounts of money for the public and allows creative people to get it. The outbreak of the financial crisis in 2008 caused a severe run on the money market, and the profits fell sharply. The Internet financial advantages no longer fell to the bottom.

The United States is a pioneer of Internet finance. In the 1990s, it was relatively perfect and mature. Internet financial break the limitations of the geographical distance and to America's economic development has brought the huge impact, achieve economies of scale in the bank, increased the liquidity of financial markets, and implements the derivatives and reduce the cost of access to information. Without Internet finance, there would be no bank mergers and acquisitions in the 1990s, no subprime crisis and financial crisis.

Generally speaking, the market development degree of China and America is different. In the 90 s, the United States is facing inflation, financial disintermediation, the rapid development of money market funds, deposit growth decline, and China is in a critical stage of market-oriented interest rate reform, interest rate control and certain liabilities disintermediation. Today, the Chinese Internet financial is booming and experienced by the 70 s and 90 s was hit a similar to the United States, the difference is that the Chinese background situation was complex, the population is much easier to achieve economies of scale in commercial Banks.

For China, traditional Internet finance is more dominant. Internet finance is hard to replace the traditional industry. Internet finance is an upgrade, remedy and innovation of traditional industries. However, it must adjust and innovate according to the degree of impact, and even seek to take the initiative in the competition. In a word, the impact will not bring about subversion, but more is to prevent monopoly and unfair competition to make competition and integration coexist.

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