隨著資訊技術的快速發展和應用，大資料、雲計算、社交網路和搜尋引擎等互聯網技術對傳統金融模式產生了根本性影響，萌發出互聯網金融這一新型的模式。互聯網金融熱潮正在全國範圍內蔓延，引發了全社會的廣泛關注，這一現象發生的大背景是在我國進行全面的金融改革與利率市場化的前提下開始的，具有重要節點的意義。關於對互聯網金融的理論觀點，大家呈現出百花齊放的態勢，從專家學者到企業家甚至普通的老百姓都在談論著互聯網金融的話題。但對於互聯網金融模式的界定，以及互聯網金融未來的發展前景，大家似乎各自持有不同的看法和見解，並沒有形成統一的論調。針對我國互聯網金融高速發展的現狀，有必要對互聯網金融模式進行深入的研究，以把握其發展脈象和態勢。本文確定以互聯網金融模式為研究課題，從概念入手，結合國內外的發展現狀歸納出互聯網的六大金融模式，並借鑒國際先進模式經驗，得出互聯網金融是全球發展大勢所趨的結論。因此應順應這一發展趨勢，支持和鼓勵互聯網金融模式創新，並針對其發展中遇到的金融風險和阻礙給予必要的扶持和相應有效的監管措施。

關鍵字：互聯網金融、P2P網貸、大資料、眾籌、金融監

With the internet technologies developing and applying, such as big data, cloud computing, social networks and search engines, have a fundamental impact on the financial sector, leading to the generation of Internet financial model. The boom of Internet finance is spreading across China, sparked concern of the whole society, which is crucial for us, under the background of comprehensive financial reform and Internet rate liberalization. The topic about Internet finance is discussed between experts, entrepreneurs, and even ordinary people. However, it does not seem to reach a consensus on the Internet financial model. Due to the rapid development of Internet finance in China recently, it is necessary to conduct in-depth research on Internet financial model, in order to grasp the pulse of its development. This thesis introduce the concept of Internet finance, then summarizes six models of Internet finance, combined with the practice of theory at home and abroad. Finally, it concludes that Internet finance will become a global trend. Therefore, we should conform to this trend, encourage Internet financial innovation, and provide the necessary support and effective supervision to deal with the obstacles and financial risk encountered in its development.

Key words: Internet Finance, P2P Leading, Big-data, Crowd Funding, Financial Regulation

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