2014年中国互联网金融发展报告

　　摘要

　　2014年是中国互联网金融由狂热逐步走向理性的发展时期，尽管监管层没有出台相应的监管政策，地方政府却纷纷出台指导意见或发展措施，第三方支付、P2P、众筹、互联网理财、网络银行等互联网金融模式在磕磕碰碰中获得较快发展。互联网金融发展，既存在思想认识、基础设施和风险防范方面的问题，也存在监管的困境和对宏观调控的挑战。2015年，随着监管政策落地，我国互联网金融将迎来规范发展的春天，移动支付、股权众筹将成为新的热点，P2P借贷将加速洗牌，互联网理财努力寻找新的痛点，传统金融拥抱变革转型加速，形成互联网+金融+产业的多元互联网金融格局。

　　关键词：金融创新 技术革命 互联网金融 传统金融

　　Abstract

　　In 2014，China’s internet finance transforms from fanaticism to arational development stage. Although the central regulators have not issued the relevant regulatory policies on the development of China’s internet finance，the various local governments have set up guiding principles or regulatory measures in this area. Internet financial modes such as the third-party payment，peer-to-peer，crowdfunding，internet banking，and internet-only bank develop rapidly though difficulties and setbacks. In the development of internet finance，the problems such as understandings，infrastructure，and risk prevention coexist with serious challenges from macroeconomic regulation and control. In 2015，with the emergence of regulatory policy，China’s internet finance will develop at an amazing speed. Mobile payment and equity-based crowdfunding will become the new hot spots，the peer-to-peer lending will accelerate its reshuffle and internet banking will seek for a new direction. Also，the traditional finance will embrace changes. As a result，the internet financial pattern as “internet+finance+industry” will come into being.