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。 Internet finance1. Peer-to-peer lendingChina's peer-to-peer (also known as P2P) lending platforms have emerged quickly. In September, the number of peer-to-peer lending companies increased to 1,438, with outstanding loans hitting 64.6 billion yuan ($10.6 billion), up 11 percent month-on-month. P2P网贷平台迅速发展,2017年9月P2P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%。 Peer-to-peer,点对点,Peer-to-peer lending,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。 Renrendai2. CrowdfundingCrowdfunding refers to funding a project or a company by pooling money from many people, usually via the Internet. 众筹融资指通常利用互联网向他人募集项目或公司资金。 2011年,中国约建立了30家crowdfunding platform companies3. Internet paymentThird-party payment transactions on the Web amounted to 5.37 trillion yuan in 2013, up 46.8 percent from the previous year and third-party mobile payment transactions increased by 707 percent. 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%。 Internet payment,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fund transfer service阿里巴巴集团旗下的Alipay4. Internet fundsYu'ebao, China's most popular Internet fund, is an investment service jointly offered by Alipay, China's leading online payments provider, and TianHong Asset Management. 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。 |