中国“互联网金融”六大模式[1]
<p>中国“互联网金融”六大模式从2013年开始至今，互联网金融领域风生水起。互联网的广泛运用给金融服务业带来了翻天覆地的变化。</p><p><span word="Internet">Internet</span> <span word="finance">finance</span>1. <span word="Peer">Peer</span>-<span word="to">to</span>-<span word="peer">peer</span> <span word="lending">lending</span><span word="China">China</span>'<span word="s">s</span> <span word="peer">peer</span>-<span word="to">to</span>-<span word="peer">peer</span> (<span word="also">also</span> <span word="known">known</span> <span word="as">as</span> <span word="P">P</span>2<span word="P">P</span>) <span word="lending">lending</span> <span word="platforms">platforms</span> <span word="have">have</span> <span word="emerged">emerged</span> <span word="quickly">quickly</span>. <span word="In">In</span> <span word="September">September</span>, <span word="the">the</span> <span word="number">number</span> <span word="of">of</span> <span word="peer">peer</span>-<span word="to">to</span>-<span word="peer">peer</span> <span word="lending">lending</span> <span word="companies">companies</span> <span word="increased">increased</span> <span word="to">to</span> 1,438, <span word="with">with</span> <span word="outstanding">outstanding</span> <span word="loans">loans</span> <span word="hitting">hitting</span> 64.6 <span word="billion">billion</span> <span word="yuan">yuan</span> ($10.6 <span word="billion">billion</span>), <span word="up">up</span> 11 <span word="percent">percent</span> <span word="month">month</span>-<span word="on">on</span>-<span word="month">month</span>. <span word="P">P</span>2<span word="P">P</span>网贷平台迅速发展，2017年9月<span word="P">P</span>2<span word="P">P</span>网贷公司增加到1438家，未偿还贷款总额达到646亿元(106亿美元)，月环比上涨11%。</p><p><span word="Peer">Peer</span>-<span word="to">to</span>-<span word="peer">peer</span>，点对点，<span word="Peer">Peer</span>-<span word="to">to</span>-<span word="peer">peer</span> <span word="lending">lending</span>，即网络借贷，指的是个体和个体之间通过互联网平台实现的直接借贷。</p><p><span word="Renrendai">Renrendai</span>2. <span word="Crowdfunding">Crowdfunding</span><span word="Crowdfunding">Crowdfunding</span> <span word="refers">refers</span> <span word="to">to</span> <span word="funding">funding</span> <span word="a">a</span> <span word="project">project</span> <span word="or">or</span> <span word="a">a</span> <span word="company">company</span> <span word="by">by</span> <span word="pooling">pooling</span> <span word="money">money</span> <span word="from">from</span> <span word="many">many</span> <span word="people">people</span>, <span word="usually">usually</span> <span word="via">via</span> <span word="the">the</span> <span word="Internet">Internet</span>. 众筹融资指通常利用互联网向他人募集项目或公司资金。</p><p>2011年，中国约建立了30家<span word="crowdfunding">crowdfunding</span> <span word="platform">platform</span> <span word="companies">companies</span>3. <span word="Internet">Internet</span> <span word="payment">payment</span><span word="Third">Third</span>-<span word="party">party</span> <span word="payment">payment</span> <span word="transactions">transactions</span> <span word="on">on</span> <span word="the">the</span> <span word="Web">Web</span> <span word="amounted">amounted</span> <span word="to">to</span> 5.37 <span word="trillion">trillion</span> <span word="yuan">yuan</span> <span word="in">in</span> 2013, <span word="up">up</span> 46.8 <span word="percent">percent</span> <span word="from">from</span> <span word="the">the</span> <span word="previous">previous</span> <span word="year">year</span> <span word="and">and</span> <span word="third">third</span>-<span word="party">party</span> <span word="mobile">mobile</span> <span word="payment">payment</span> <span word="transactions">transactions</span> <span word="increased">increased</span> <span word="by">by</span> 707 <span word="percent">percent</span>. 2013年互联网支付交易达5.37万亿元，较12年上涨了46.8%，同时移动支付交易规模增长率高达707%。</p><p><span word="Internet">Internet</span> <span word="payment">payment</span>，即互联网支付，是指通过计算机、手机等设备，依托互联网发起支付指令、转移资金的服务，其实质是新兴支付机构作为中介，利用互联网技术在付款人和收款人之间提供的<span word="fund">fund</span> <span word="transfer">transfer</span> <span word="service">service</span>阿里巴巴集团旗下的<span word="Alipay">Alipay</span>4. <span word="Internet">Internet</span> <span word="funds">funds</span><span word="Yu">Yu</span>'<span word="ebao">ebao</span>, <span word="China">China</span>'<span word="s">s</span> <span word="most">most</span> <span word="popular">popular</span> <span word="Internet">Internet</span> <span word="fund">fund</span>, <span word="is">is</span> <span word="an">an</span> <span word="investment">investment</span> <span word="service">service</span> <span word="jointly">jointly</span> <span word="offered">offered</span> <span word="by">by</span> <span word="Alipay">Alipay</span>, <span word="China">China</span>'<span word="s">s</span> <span word="leading">leading</span> <span word="online">online</span> <span word="payments">payments</span> <span word="provider">provider</span>, <span word="and">and</span> <span word="TianHong">TianHong</span> <span word="Asset">Asset</span> <span word="Management">Management</span>. 余额宝是中国最受欢迎的互联网基金，由中国领先的在线支付平台支付宝和天弘基金共同开发的。</p>
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