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随着互联网技术的不断发展,传统金融业务也因为应用新兴互联网技术而逐渐发生了转变。在这种形式下,市场环境、服务模式和金融需求逐渐发生了变化,继而促使了互联网金融这一新业态的诞生。基于这种认识,本文对国内金融市场上三大主体的金融需求进行了分析。而在此基础上,则从需求视角出发,对当下第三方支付模式、网络融资模式和在线金融服务模式这三大互联网金融模式进行了探讨,以便为关注这一话题的人们提供参考。
With the continuous development of Internet technology, the traditional financial business has gradually changed because of the application of emerging Internet technologies. In this form, the market environment, service mode and financial demand gradually changed, which in turn led to the birth of this new format of internet finance. Based on this understanding, this paper analyzes the financial needs of the three main financial institutions in the domestic market. On this basis, from the perspective of demand, this paper explores the current third-party payment model, online financing model and online financial service model, which are three Internet financial models in order to provide reference for those who are interested in this topic.