中美互联网金融业比较分析
毕业论文关键词： 中国；美国；互联网金融；比较
Comparative Analysis of the Internet Financial Industry of America and China
Abstract：2015, No matter from the government work report clearly the development of the "Internet +", or from the traditional financial institutions are accelerated by Internet financial thinking armed themselves, the Internet financial relationship with the traditional financial had gone from "subversion" "competition" to now "convergence". Internet financial model a fast-changing economic landscape and business ecosystem, Banks, such as Internet companies, service life is gradually fusion boundary. The cause of China's Internet financial is started, in the next few years, the Internet financial will become one of the important topic of China's economic life. With the world's leading Internet industry and the most powerful financial industry, although the United States has never had a clear definition of the Internet financial, but from their fusion in the Internet industry and financial industry, we can still find the treasure we need.
Key Words：China; America; internet financial; comparative
目 录
绪论 1
一、互联网金融的涵义 2
（一）互联网金融的最新定义 2
（二）互联网金融与金融互联网的区别 3
1、发展理念及思文方式不同 3
2、导向及出发点不同 3
3、客户体验不同 3
4、交易金额及频率不同 4
5、安全性及隐私保护方面的差异 4
6、监管体系不同 4
二、中美互联网金融行业发展背景比较 5
（一）美国互联网金融行业发展背景 5
（二）中国互联网金融行业发展背景 5
（三）中美互联网金融行业发展背景对比分析 7
1、经济结构特别是行业之间发展的差异 7
2、社会保障制度影响下的家庭理财习惯不同 7
3、利率水平差别巨大 8
4、金融市场完备程度和投资渠道多样性差别 8
5、法规的监管和对个人隐私的保护存在巨大差异 8
三、中美互联网金融行业细分分析对比 9
（一）P2P 9
1、美国——Lending Club 9
2、中国——平安陆金所 9
（二）第三方支付 11
1、美国——Paypal 11
2、中国——支付宝 11
（三）网络银行 12
1、美国——Security First Network Bank 12
2、中国——网商银行 13
（四）互联网征信 13
1、美国——Credit Karma 13