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互联网金融的发展阶段在互联网金融发展的第一个阶段,也就是互联网金融自2013年在中国兴起到当前这几年,其与银行主要是互补型关系。诸如P2P网贷、股权众筹以及经网络销售的货币基金(如余额宝、理财通等),其主要客户是过去银业行所抛弃的那些人群。这些人群一般有如下特征,没有信用记录支持,融资额度很小,能够用来理财的金额有限等。面对这样的客户,由于受
Internet Financial Development Phase In the first phase of Internet finance development, that is, internet finance emerged in China from 2013 to the present few years in 2013 and is mainly of complementary relationship with banks. Such as P2P network credit, equity crowdfunding and the Internet sales of monetary funds (such as Yuen Po, Moneylink, etc.), the main customers are those abandoned by the banking industry in the past. These people generally have the following characteristics, no credit record support, a very small amount of financing, money can be used to finance a limited amount. Faced with such customers, due to