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互联网金融满足了消费者对金融服务在信息化环境的需求再造,具有简单、高效、便捷、低成本的特点。美国作为互联网金融的发源地,其经验对于我国的金融创新,金融科技与传统金融的融合具有极大的借鉴意义。本文将就美国互联网金融的发展历程、主要业务模式、技术模式、监管模式进行梳理,并在此基础上总结其对我国银行业发展互联网金融的启示。
Internet finance satisfies consumer demand for financial services in the information environment. It is simple, efficient, convenient, and low cost. As the origin of internet finance, the United States has great experience for the integration of financial innovation and financial technology with traditional finance. This article will sort out the development history, major business models, technical models, and regulatory models of the US Internet finance, and on this basis, summarize its implications for China’s banking industry in the development of Internet finance.