【摘要】：隨著中國(guó)利率市場(chǎng)化、匯率市場(chǎng)化和金融管制的放松，我國(guó)金融業(yè)的改革成為2013年全球關(guān)注的大事。而全球歷史上重要經(jīng)濟(jì)體每一次大的體制變革，往往伴隨著重大的金融創(chuàng)新。在此背景下，2013年中國(guó)互聯(lián)網(wǎng)金融的蓬勃發(fā)展就更顯得格外矚目。2013年6月13日，第三方支付平臺(tái)支付寶推出了一種全新的金融服務(wù)一一余額寶，作為第一只真正意義上的互聯(lián)網(wǎng)金融產(chǎn)品，它與天弘基金公司合作，采用較高收益率的方式吸引著大量的用戶，將用戶手中的零花錢(qián)的資金價(jià)值發(fā)揮到最大，截止到年底規(guī)模突破1800萬(wàn)，用戶數(shù)達(dá)到4303萬(wàn)人，這還只是互聯(lián)網(wǎng)金融的發(fā)端。年底雙i^一?的網(wǎng)購(gòu)狂歡節(jié)，在僅僅一天之內(nèi)，第三方支付平臺(tái)支付寶成交1.7億筆，成交總額350億元，比上一年的191億增長(zhǎng)83%。 擁有大數(shù)據(jù)優(yōu)勢(shì)和方便快捷是互聯(lián)網(wǎng)金融公司的特點(diǎn)，但其快速發(fā)展現(xiàn)象背后更深層次的原因則是傳統(tǒng)金融公司嫌貧愛(ài)富的信用評(píng)價(jià)體系和中國(guó)官僚體制下對(duì)民間資本的金融壓抑�；ヂ�(lián)網(wǎng)金融的發(fā)展大勢(shì)已不可阻擋，，傳統(tǒng)金融公司不會(huì)被完全顛覆，但整個(gè)金融行業(yè)的格局卻會(huì)被改變。 本文先從以支付寶為代表的第三方支付平臺(tái)的發(fā)展研宄入手，分析了第三方支付平臺(tái)的發(fā)展現(xiàn)狀、優(yōu)勢(shì)以及缺陷、第三方平臺(tái)的經(jīng)濟(jì)價(jià)值以及發(fā)展模式和存在的風(fēng)險(xiǎn)。第三方支付是互聯(lián)網(wǎng)金融的主鏈條，是推動(dòng)互聯(lián)網(wǎng)金融產(chǎn)生和發(fā)展的主要因素。因此本文在對(duì)第三方支付平臺(tái)進(jìn)行詳細(xì)的論述之后引出了互聯(lián)網(wǎng)金融板塊，對(duì)其形成、分類和運(yùn)營(yíng)模式進(jìn)行了較為詳細(xì)的論述。在互聯(lián)網(wǎng)金融對(duì)傳統(tǒng)金融行業(yè)影響分析中，采用定量分析的方法設(shè)立了一個(gè)線性回歸模型對(duì)余額寶的規(guī)模與傳統(tǒng)商業(yè)銀行利潤(rùn)之間的關(guān)系進(jìn)行了分析�？紤]到互聯(lián)網(wǎng)金融還處于渠道功能的發(fā)展階段，目前現(xiàn)在對(duì)商業(yè)銀行利潤(rùn)的影響還比較小，但隨著互聯(lián)網(wǎng)金融在廣度和深度上的發(fā)展，本文預(yù)測(cè)未來(lái)對(duì)商業(yè)銀行利潤(rùn)將產(chǎn)生較大的影響，互聯(lián)網(wǎng)金融逐漸發(fā)展壯大還會(huì)影響傳統(tǒng)商業(yè)銀行的壟斷地位，并且促進(jìn)直接融資平臺(tái)的搭建，對(duì)整個(gè)金融行業(yè)格局將產(chǎn)生深遠(yuǎn)影響。
[Abstract]:With the liberalization of China's interest rate, exchange rate and financial regulation, the reform of China's financial industry has become a major issue of global concern in 2013. Every major institutional change in major economies in global history is often accompanied by major financial innovations. In this context, the booming development of China's Internet finance in 2013 is all the more remarkable. On June 13, 2013, Alipay, a third-party payment platform, launched a new financial service, Yu'e Bao, a new financial service. As the first Internet financial product in the real sense, it works with Tianhong Fund Company to attract a large number of users in the form of higher yield, and to maximize the value of their pocket money. By the end of the year, the scale exceeded 18 million, the number of users reached 43.03 million, this is only the beginning of Internet finance. Double I ^ 1 at the end of the year? Online shopping Carnival, in just one day, the third-party payment platform Alipay 170 million transactions, the total turnover of 35 billion yuan, compared with the previous year's 19.1 billion increase 833. The advantage and convenience of big data are the characteristics of Internet financial companies. However, the deeper reasons behind its rapid development are the credit evaluation system of traditional financial companies, which loathe the poor and the rich, and the financial repression of private capital under the Chinese bureaucratic system. The development of Internet finance is unstoppable, traditional financial companies will not be completely subverted, but the pattern of the whole financial industry will be changed. Starting with the development of the third-party payment platform represented by Alipay, this paper analyzes the present situation, advantages and disadvantages of the third-party payment platform, the economic value of the third-party payment platform, the development model and the existing risks. Third-party payment is the main chain of internet finance and the main factor to promote the emergence and development of internet finance. Therefore, after the detailed discussion of third-party payment platform, this paper leads to the Internet financial sector, and discusses its formation, classification and operation model in detail. In the analysis of the impact of Internet finance on the traditional financial industry, a linear regression model is established to analyze the relationship between the scale of Yu'e Bao and the profits of traditional commercial banks. Considering that Internet finance is still in the development stage of channel function, the impact on commercial banks' profits is still relatively small at present, but with the development of Internet finance in breadth and depth, This paper predicts that the future will have a greater impact on the profits of commercial banks, and that the gradual development of Internet finance will also affect the monopoly position of traditional commercial banks and promote the construction of direct financing platforms. The pattern of the entire financial industry will have a profound impact.
【學(xué)位授予單位】：山西財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.2;F724.6

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