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摘要基于互联网金融和传统金融发展的特点及发展过程中出现的问题,本文从深度和广度上探讨互联网金融对传统金融的包容性,得出如下结论: 由广度上来说,通过传统金融业和不受地区偏远程度影响的互联网技术相互结合而产生的互联网金融,扩宽了服务对象的广度的同时降低了成本,非常有效的解决了贫困人口和偏远地区的金融空缺性,使金融有了更进一步的渗透力；而从金融的深度来说,因为使用了跟传统金融完全不同的支付手段和对客户信息处理的方式,互联网金融能让有着先进技术的金融服务在与客户的交易成本以及信息的不对称上都有着很大程度的下降，并且在通过研究交易性集合之后，可以得出互联网形式的金融模式很好的拓宽了信息交易可能性集合，使得金融包容性有了更好的发展空间。并结合相关案例,最终提出传统金融企业需要加快创新、监管部门需要加强监管和政府需要发挥主要推手的作用的政策建议。46234
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毕业论文关键词：传统金融；互联网金融；金融服务；包容性
ABSTRACT
Characteristics and development process of the Internet Finance and traditional finance development based on the problems, this paper discusses the Internet Financial inclusion of traditional finance from the depth and breadth, draw the following conclusions: from the breadth, the traditional financial sector and is not affected by the impact of Internet technology in remote areas are generated by the combination of the Internet finance, widening the service object of the breadth of the reduced cost, very effectively solve the financial gap and poverty in rural areas, the financial has further penetration; and from the financial depth, because of the use of a completely different with the traditional financial means of payment for customers and the way of information processing, Internet finance can make with advanced technology and financial services have a large degree of decline in transaction cost and asymmetric and customer information, and in After studying the collection of the transaction, it can be concluded that the financial model of the Internet is a good way to broaden the collection of information trading possibilities, making financial inclusion has a better space for development. And combined with relevant cases, and finally put forward the traditional financial enterprises need to accelerate innovation, regulatory authorities need to strengthen the regulatory and government needs to play a major role in the role of policy recommendations.
Key words: Traditional finance; financial service; financial development
目 录
摘 要 I
ABSTRACT II
第一章 互联网金融现状分析 1
1.1互联网金融概述 1
1.2互联网金融特点 1
1.3互联网金融发展中出现的问题 2
第二章 传统金融现状分析 4
2.1传统金融概述 4
2.2传统金融发展特点 4
2.3传统金融发展中出现的问题 7
第三章 互联网金融和传统金融包容性关系 8
3.1金融包容性概念和特点 8
3.2互联网金融拓宽传统金融包容性的深度 8
3.3互联网金融拓宽传统金融包容性的广度 10
第四章 互联网金融和传统金融包容性的案例分析 13
4.1案例分析——阿里金融 13
4.2启示 15
4.3研究结论 16
第五章 政策建议 17
5.1制定互联网金融法律法规和管理方法 17
5.2传统金融机构大力开展互联网金融业务 17