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摘要：随着时代的逐步发展，互联网在我们的日常生活中也越来越普及。相比传统的金融行业而言，互联网金融有了更多新的特征，作为一项新的领域，它使用的媒介存在较大差异，而且金融参与者能够十分清楚地意识到整个互联网有着开放和平等、协作与分享等特点，建立在互联网工具的基础上，整个金融行业的透明性和参与度变得更加理想，相互之间的协作得到加强，中间成本得到较好控制，操作的时候十分方便。从理论上来说，如果从广义的层面来看，无论是任何金融行业，只要涉及到了互联网的应用都可以视为这一范畴，需要指出的是，他并不仅仅限于第三方支付、在线理财、信用审核等基本模式。总体而言，互联网金融涉及到的内容十分广泛，它并不只是等同于互联网和金融的简单融合，建立在互联网技术的基础上，它能够保证操作安全且用户使用方便，正是因为如此，这一新的金融模式自然受到了人们的青睐。50053
A Research of the Influence of Internet Finance on Financial Management
Abstract: With the gradual development of the times, the Internet became more and more popular in our daily lives. Compared to traditional financial industry, Internet finance gained more new features, as a new field, there is a large difference in media uses, and financial participants can aware clearly that the Internet has open,equality, cooperation and sharing features. Based on Internet tools, the transparency and participation of the entire financial industry became more desirable, the collaboration has been enhanced and the middle costs can be controlled better, the operation will become more convenient, too.Theoretically, if we see from a broad perspective, in any financial sector, as long as it comes to the Internet application, it can be seen as a part of this category, but it should be noted that it is not limited to third-party payment, online financing, credit check and other basic mode. Overall, Internet finance involves many factors, it is not just the same as the simple integration of Internet and finance, with Internet technology, it is able to ensure safe operation and user convenience, this is the popular reason of this new financial model.
Keyword: internet; Internet finance; financial management; influence
目录
引言1
一、互联网金融的概念及特点2
（一）互联网金融的概念2
（二）互联网金融的特点2
1、实现了服务模式的多样化2
2、非金融机构加入了金融服务提供者的行列3
3、金融服务流程日益规范3
4、高度的信息化和低中间成本4
5、服务更加的广泛4
6、具有较高的互动性4
二、互联网金融主要的业务形态5
（一）电子商务平台5
（二）第三方支付5
（三）网络融资5
1、网络微贷5
2、P2P借贷5
3、众筹5
（四）互联网理财6
1、余额宝6
2、理财通6
3、收益宝6
三、互联网金融的意义6
（一）有利于发展普惠金融，弥补传统金融的服务的不足6
（二）有利于降低成本，提升金融服务质量以及资金配置的效率6
（三）有助于发挥民间的资本作用，引导民间金融走向规范化7
四、传统的财务管理模式7
（一）“集权式”财务管理模式7
（二）“分权式”财务管理模式7