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1. Huge Growth Potential under“New Normal”
China’s economic “new normal” and ongoing financial reform will undoubtedly entail new economic structures， new development patterns， and new financial innovations， as well as new business models， leaving a huge space for the Internet financing growth.
The development of the Internet finance begins with the inclusive finance that provides financing services to all clients， not just the relatively well-off. The inclusive finance reaches out to low-income grass-roots， as well as small and micro businesses， offering them affordable financial services tailored to their needs.
On Nov. 12， 2013， the “Inclusive Finance Strategy” was put forward at the Third Plenary Session of the 18th CPC National Congress， giving a clear-cut route for the development of the inclusive finance on the Internet.
In fact， it is no exaggeration to say that the current economic situation in China offers a historic opportunity for the explosive growth of the Internet financing sector.
Particularly， the traditional economic structure adjustment， together with the industrial transformation and upgrading， brings new opportunities for the Internet finance sector in the country， while the rapid growth in the mobile Internet and O2O e-commerce creates new markets for online payment.
Besides， the ever-expanding public wealth and increasinglydiversified financial demands will give new opportunities for the Internet banking. Online P2P lenders will also move to a new healthy growth path， driven by policies that aim at stimulating small and micro business financing and promoting rural financial services.
In addition， a new wave of mass innovation and entrepreneurship will be followed by a spree of crowd-funding， which is expected to set off a revolution in the business models.
2. Move Deeper into MSIS
In 2014， the concept of China’s Internet finance trending toward mobile informationization， social communications networkization， industrialization and socialization（MSIS） was first put forward by the China Internet Finance Conference （CIFC）.
According to data from the Ministry of Industry and Information Technology（MIIT）， China’s mobile Internet users totaled 874 million as of October 2014. It is foreseeable that with the rapid growth of mobile payment， mobile banking， mobile wealth management and mobile investment in 2015， an era of Internet finance will be in full swing. The mode of Internet financialization will be a new engine for the traditional industries to innovate in their business models， and upgrade and transform their industrial structures.
Equity crowd-funding， supply chain finance and financing lease will offer more innovation modes for industries’ Internet financialization.
7. Self-finance and Microfinance Get off to a Good Start
2015 will see the self-finance come into being in China. The self-finance will be featured with an innovative mode of“self-media plus Internet finance”， which incorporates the social feature of self-media into fragmented Internet finance.
In addition， the microfinance sector will develop an ecological system. Microfinance platforms， which deliver financing services to small- and micro-sized enterprises， entrepreneurs and ordinary people， will step on the gas this year. As a consequence， the innovative service modes of microfinance will be increasingly diversified.
The development of self-finance and microfinance heralds that the Internet finance will soon enter into the“microfinance era” and “self-finance era”.
8. Talent Shortage and Industrial Park Building Spree
A huge talent shortage always comes in the wake of an explosive growth in the number of companies， which is one of main bottlenecks for further development faced by ambitious companies.
Currently， Internet finance companies face such a dilemma. Moreover， with a foreseeable influx of traditional enterprises and financial institutions， the Internet finance will face an even worse shortage of professional talents in 2015， entailing a fierce battle among companies for talents， especially multi-skilled talents with extensive experience in the fields of Internet， finance and new media marketing.
Besides， the country will see a building spree of industrial parks in the Internet finance sector this year， as the Internet finance has become a new engine for the local economic growth and the transformation and upgrading of traditional industries.
By far， China has established three Internet finance parks in Beijing and five in Shanghai. In 2015， a new wave of Internet finance park building will arise in cities that put the focus on the development of the Internet finance.
9. Internet Finance Regulation Looms
On December 10， 2014， the Insurance Regulatory Commission （IRC） issued an exposure draft for interim measures for the regulation of Internet insurance， the first regulatory document aiming at Internet finance in the country. A few days later， another exposure draft for administrative measures for the management of private equity crowdfunding was released by the SAC.
It is expected that in the first half of 2015， the PBOC， China’s central bank， will issue the opinions on promoting the healthy development of Internet finance， while the China Banking Regulatory Commission （CBRC） will publish regulatory approaches for the P2P lending sector.
With the Internet finance regulation looming， the concept that the healthy development of Internet finance not only needs innovations but also needs regulations and selfdisciplines has been widely accepted.
10. Investors Vie for a Slice of Internet Finance Pie
In 2015， investors will in hot pursuit of the Internet finance， especially the crowd-funding.
During the period from 2013 to October 21， 2014， a total of 191 investments injected into the Internet finance， with those in wealth management and financial information service accounting for more than 60.
In 2014， the number of P2P lending companies set up by investment banks， listed companies and state-backed companies was 12， 17 and 17 respectively. In 2015， more financial institutions， listed companies and traditional giants will flood into the sector， vying for Internet finance companies.
China’s economic “new normal” and ongoing financial reform will undoubtedly entail new economic structures， new development patterns， and new financial innovations， as well as new business models， leaving a huge space for the Internet financing growth.
The development of the Internet finance begins with the inclusive finance that provides financing services to all clients， not just the relatively well-off. The inclusive finance reaches out to low-income grass-roots， as well as small and micro businesses， offering them affordable financial services tailored to their needs.
On Nov. 12， 2013， the “Inclusive Finance Strategy” was put forward at the Third Plenary Session of the 18th CPC National Congress， giving a clear-cut route for the development of the inclusive finance on the Internet.
In fact， it is no exaggeration to say that the current economic situation in China offers a historic opportunity for the explosive growth of the Internet financing sector.
Particularly， the traditional economic structure adjustment， together with the industrial transformation and upgrading， brings new opportunities for the Internet finance sector in the country， while the rapid growth in the mobile Internet and O2O e-commerce creates new markets for online payment.
Besides， the ever-expanding public wealth and increasinglydiversified financial demands will give new opportunities for the Internet banking. Online P2P lenders will also move to a new healthy growth path， driven by policies that aim at stimulating small and micro business financing and promoting rural financial services.
In addition， a new wave of mass innovation and entrepreneurship will be followed by a spree of crowd-funding， which is expected to set off a revolution in the business models.
2. Move Deeper into MSIS
In 2014， the concept of China’s Internet finance trending toward mobile informationization， social communications networkization， industrialization and socialization（MSIS） was first put forward by the China Internet Finance Conference （CIFC）.
According to data from the Ministry of Industry and Information Technology（MIIT）， China’s mobile Internet users totaled 874 million as of October 2014. It is foreseeable that with the rapid growth of mobile payment， mobile banking， mobile wealth management and mobile investment in 2015， an era of Internet finance will be in full swing. The mode of Internet financialization will be a new engine for the traditional industries to innovate in their business models， and upgrade and transform their industrial structures.
Equity crowd-funding， supply chain finance and financing lease will offer more innovation modes for industries’ Internet financialization.
7. Self-finance and Microfinance Get off to a Good Start
2015 will see the self-finance come into being in China. The self-finance will be featured with an innovative mode of“self-media plus Internet finance”， which incorporates the social feature of self-media into fragmented Internet finance.
In addition， the microfinance sector will develop an ecological system. Microfinance platforms， which deliver financing services to small- and micro-sized enterprises， entrepreneurs and ordinary people， will step on the gas this year. As a consequence， the innovative service modes of microfinance will be increasingly diversified.
The development of self-finance and microfinance heralds that the Internet finance will soon enter into the“microfinance era” and “self-finance era”.
8. Talent Shortage and Industrial Park Building Spree
A huge talent shortage always comes in the wake of an explosive growth in the number of companies， which is one of main bottlenecks for further development faced by ambitious companies.
Currently， Internet finance companies face such a dilemma. Moreover， with a foreseeable influx of traditional enterprises and financial institutions， the Internet finance will face an even worse shortage of professional talents in 2015， entailing a fierce battle among companies for talents， especially multi-skilled talents with extensive experience in the fields of Internet， finance and new media marketing.
Besides， the country will see a building spree of industrial parks in the Internet finance sector this year， as the Internet finance has become a new engine for the local economic growth and the transformation and upgrading of traditional industries.
By far， China has established three Internet finance parks in Beijing and five in Shanghai. In 2015， a new wave of Internet finance park building will arise in cities that put the focus on the development of the Internet finance.
9. Internet Finance Regulation Looms
On December 10， 2014， the Insurance Regulatory Commission （IRC） issued an exposure draft for interim measures for the regulation of Internet insurance， the first regulatory document aiming at Internet finance in the country. A few days later， another exposure draft for administrative measures for the management of private equity crowdfunding was released by the SAC.
It is expected that in the first half of 2015， the PBOC， China’s central bank， will issue the opinions on promoting the healthy development of Internet finance， while the China Banking Regulatory Commission （CBRC） will publish regulatory approaches for the P2P lending sector.
With the Internet finance regulation looming， the concept that the healthy development of Internet finance not only needs innovations but also needs regulations and selfdisciplines has been widely accepted.
10. Investors Vie for a Slice of Internet Finance Pie
In 2015， investors will in hot pursuit of the Internet finance， especially the crowd-funding.
During the period from 2013 to October 21， 2014， a total of 191 investments injected into the Internet finance， with those in wealth management and financial information service accounting for more than 60.
In 2014， the number of P2P lending companies set up by investment banks， listed companies and state-backed companies was 12， 17 and 17 respectively. In 2015， more financial institutions， listed companies and traditional giants will flood into the sector， vying for Internet finance companies.