总报告分为三个部分,第一部分概括分析了2013年中国互联网金融的总体发展情况,包括互联网金融发展的大环境、互联网金融的业务拓展情况、互联网金融呈现的新特点以及互联网金融的风险和监管政策倾向;第二部分依据互联网金融模式的分类,具体分析了互联网融资、互联网金融服务、虚拟货币以及传统金融机构互联网化四类模式在业务发展、模式创新、风险控制及同业竞争方面的现状和趋势;第三部分在2013年互联网金融发展的基础上,总结了互联网金融的发展趋势,并对未来的发展做了展望。综合来看,2013年中国互联网金融继续保持快速发展的态势,业务创新不断涌现、产品界限趋于模糊、同业竞争进一步加剧。随着规模的急剧膨胀以及风险的日益复杂化,将互联网金融纳入监管范围也被逐步提上日程。
<<The general report is divided into three parts,the first part summarizes the overall developing situation of China’s internet finance in 2013,including the development environment,the business development situation,the new characteristics,the risk and regulatory policy tendency of internet finance. According to the classification of internet financial model,the second part analyzes the present situations and the trends of four different types of internet financial models,including internet financing,internet financial services,Internet virtual currency and internet finance of the traditional financial institutions in business development,model innovation,risk control and competition. The third part analyzes the outlook of internet finance in the near future,which is based on the development of internet finance in 2013. China’s internet finance continues to maintain a rapid development trend in 2013. The business innovation emerges constantly,the distinctions of product become blurred,and the competition is more intensified. With the rapid expansion of the scale and the growing complexity of the risk,the regulation on internet finance is also on the agenda.
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