在中国利率市场化进程加速推进阶段,互联网金融应运而生,风生水起。以余额宝为代表,从传统的银行活期存款人手,逐步涉足保险、信托等非银行金融业务,再到团购、打车等民生领域的支付渠道争夺战,及至近期炒得沸沸扬扬的虚拟信用卡,“中国式”互联网金融正试图以前所未有的速度对传统金融业进行改造。不论其能否逆袭成功,都必将倒遁国内金融业体制和经营模式加速转型。“中国式”互联网金融存在的合理性西方经济学中有个名词叫信息不对称。在假定前提的完全竞争和有效市场里,信息是充分、完整的,消费者可以 As the marketization of interest rates in China accelerated, Internet finance emerged quickly. Represented by Yu’ebao, from the traditional bank depositors’ hands, gradually involved in non-bank financial business such as insurance and trust, and then to the payment channel battle in the areas of people’s livelihood such as group buy and taxi, and to the recent speculation in the vociferous virtual credit card, Chinese-style “Internet finance is trying to transform the traditional financial industry at an unprecedented rate. Regardless of whether they can succeed or not, they will inevitably accelerate the transformation of the domestic financial system and business model. ”Chinese-style " the rationality of the existence of Internet finance There is a term in western economics called asymmetric information. In a perfectly competitive and efficient market where assumptions are made, the information is sufficient and complete and consumers can