近年来,在深化改革与经济新常态的大背景下,中国普惠金融体系发展迅速,其中互联网金融呈爆发式增长。党的十八届三中全会通过的《中共中央关于全面深化改革若干重大问题的决定》明确提出:“发展普惠金融。鼓励金融创新,丰富金融市场层次和产品。”李克强总理在2014年3月全国人大会议上所做的《政府工作》报告中指出:“促进互联网金融健康发展,完善金融监管协调机制。”这次政府报告,首次把互联网金融写入,标志着国家决策层对其的重视和互联网金融正式成为进入中国金融和经济发展的新生力量。本文系统阐述了全国和河南省整体上互联网金融行业发展现状,具体分析了部分本土互联网金融公司的商业模式,并对未来河南互联网金融的发展进行了展望。
<<Under the background of deepening reform and economic new normal,the overall financial system developed rapidly in recent years,and the internet finance growth explosively. The “CPC Central Committee on the comprehensive reform of certain major issue decision” approved by The Third Plenary Session of the CPC eighteenth recently,announced that vigorously develop the financial inclusive finance,encourage financial innovation,and enrich financial market level firstly. And the State Council Premier Li Keqiang pointed out to promote the healthy development of Internet finance,improve financial supervision and coordination mechanism from the government work report at the twelve session of the National People’s Congress conference on March 5,2014. The Internet financial report marked into the government firstly,means that the state policy on the attention and the Internet has become a new force into the China financial formal finance and economic development. This paper describes the system of Internet financial development status in the national and Henan province,analysis some local internet financial company’s business model,and the future development of Henan financial prospects for the internet.
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