What is the overall goal to be followed in the development of Internet finance?

Answer]: a, b, c

This question examines internet finance. The main development trends of Internet finance are: (1) mobile. (2) Commercialization of electric cracking. (3) Self-finance as source fiber. (4) From online pure imitation to offline (O2O) combination.

1.Before 2005, the initial stage.

2.2005-2012, embryonic stage.

3.In 2013, the stage of rapid development.

4.years, the stage of development, risk and regulation coexist.

5.From 2017 to the present, the industry has been cleared under the heavy hand of supervision.

Since the rise of Internet finance in China, it has gone through more than ten years from the rise and savage growth to the current turning point. Ten years of hard work, ten years of spring flowers and autumn fruits, throughout the development of Internet finance in China, can be roughly divided into these five stages.

Extended Materials. 1. What is the prospect of the development of Internet finance?

First, at present, Huchang sedan network finance has achieved certain results in terms of development direction, attributes and supervision, and the future development space is very large, as far as the current development trend is concerned, the development speed and development prospects are very good.

Second, the development of Internet finance is mainly concentrated in three aspects, one is the development model of crowdfunding, and the other is the development mode of financing, no matter what the development model, the development speed of Internet finance is very fast, and can obtain high returns, for the overall financial development and professional content will undergo earth-shaking changes. Internet technology is constantly penetrating into the banking business, is breaking the hegemony of traditional banks, and more and more online financial products are being launched, which is also constantly diluting bank customers, making many bank customers switch to online finance. Secondly, a large number of customers transact through the Internet, and the number of face-to-face transactions has declined, which is also constantly reducing the bank's business, thereby enriching diversified service channels.

2. What is the impact of modern information on the development of Internet finance?

Modern information private has had a huge impact on the development of Internet finance, especially various information technologies based on the Internet, such as data mining, mobile payment and social networks based on big data. In this mode, the asymmetry of market information is very low and the payment is fast and convenient; The cost requirements of the supply and demand sides of the capital supply and demand in terms of matching the term of funds and risk sharing are relatively low, and they can directly trade; The issuance and trading of bonds, loans, etc., as well as the payment of bonds, can be carried out online.

<> networked finance is an emerging field that combines the traditional financial industry with the spirit of the Internet. Broadly speaking, all financial formats with the spirit of the Internet are collectively referred to as Internet finance. From a narrow financial point of view, it should be defined at the level related to the credit circulation of money, that is, the ways and means to achieve financial integration relying on the Internet.

Modern information technology, represented by the Internet, especially mobile payment, cloud computing, social networks and search engines, will have a fundamental impact on the human financial model. The Internet finance model will become mainstream in the next 20 years.

Theoretically, any application involving the Internet of generalized finance should be Internet finance, Internet finance is in a period of rapid development, and now has six major Internet financial models, such as third-party payment, P2P online lending, big data finance, crowdfunding, information-based financial institutions, and Internet financial portals.

There have been three important development trends in Internet finance.

1. Mobile payment replaces traditional payment services.

2. P2P microfinance replaces traditional deposit and loan business.

3. Crowdfunding financing replaces traditional business.

Trend 1: The legal system of Internet finance has been initially established.

On July 18, 2015, ten ministries and commissions issued the "Guiding Opinions", Internet finance has entered the stage of standardized development. After the promulgation of the "Guiding Opinions", some specific implementation measures have been promulgated; If it has not been promulgated, the first line and the three committees are also intensively drafting and soliciting opinions. During the "13th Five-Year Plan" period, under the overall requirements of encouraging innovation, preventing risks, seeking advantages and avoiding disadvantages, and healthy development, with the dynamic adjustment of existing laws and regulations, a series of detailed rules for the supervision of various forms of Internet finance will be promulgated one after another, and the system of laws and regulations on Internet finance will be initially established.