2014年我国互联网金融行业发展回顾与2015年展望

Abstract:2014 is the year that China’s Internet finance returns to rationality. Meanwhile，mobile payment and mobile banking have made full access to people’s lives. The impact of Internet finance market on China’s finance industry has entered in depth and rationality. Traditional financial institutions have not only showed unprecedented attention on Internet finance market，but also taken actions on the overall strategy and product innovation to enter the market. Represented by BAT，Internet companies based on deepening their own Internet business have extended strategic tentacles substantially to the famously heavily regulated financial “club”. Internet companies have obtained two bank licenses and two credit licenses，and they are building the great dream of building a “grassroots”financial empire. It can be said that in the next few years，the competition and cooperation of traditional financial institutions and BAT（Internet companies）- representing two forces - will determine the future development of China’s Internet finance industry or even finance industry as a whole.

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