English summary：
Internet banking refers to rely on the payments, cloud computing, social
networking and search engines and other Internet tools to achieve a financing,
payment and information services , such as emerging financial intermediaries .
With the rapid development of the Internet in recent years and rising user
demand , Internet banking has received preliminary approval of the public,
and the emergence of a large number of Internet-based financial products,
although at this stage of Internet banking is still in its infancy, there are
still many shortcomings and even shortcomings, on the whole , however , the
financial advantages of the Internet is still determines its bright future !
Internet banking is one of the hottest topics in the moment, especially
in the world's second largest economy, China , has become a big sweet universal
hot . In recent years the domestic interest rate and exchange rate market ,
the gradual relaxation of financial controls , making China 's economy more
attention professionals at home and abroad . History has proven that every
major change in the world's major economies , often accompanied by some
innovations will emerge .
Today China is the wave of the rise of Internet-based financial stage ,
emerging Internet banking continue to impact the traditional financial system
and the delicate adjustment of China's financial structure and the overall
framework for making this change will herald profound changes that may occur.
Currently on the market , undoubtedly the most popular Internet P2P mode
and Ali financial model, this paper will also describe in detail and explained
in detail the contents of both the status quo of China's Internet banking
through their development and comprehensive national policy based on the
situation foreign status prospects , and draw some predictions. Meanwhile,
the paper also from the perspective of ordinary people to make some of China's
Internet financial expectations .
