互联网金融理论与实务

目 录 **章 互联网金融导论 ··································································································1 **节 互联网金融产生的背景 ··················································································1 第二节 互联网金融发展的两种模式 ··········································································5 第三节 互联网金融与金融科技 ··················································································9 第四节 互联网金融发展相关政策法规 ····································································11 第五节 本章小结及AIF观点 ···················································································12 第二章 网络借贷 ···········································································································14 **节 概述 ················································································································14 第二节 网络借贷产生的推动因素 ············································································16 第三节 网络借贷商业模式 ························································································18 第四节 网络借贷的发展阶段 ····················································································22 第五节 网贷行业发展现状 ························································································25 第六节 网络借贷的风险 ····························································································36 第七节 网贷平台的转型之路 ····················································································40 第八节 网络小额贷款 ································································································43 第九节 网贷平台技术 ································································································46 第十节 配套案例 ········································································································47 第十一节 法律法规 ····································································································47 第十二节 本章小结及AIF观点 ···············································································50 第三章 众筹 ··················································································································51 **节 众筹的概念 ····································································································51 第二节 众筹的产生和发展 ························································································54 第三节 众筹同传统融资模式相比的优势 ································································57 第四节 众筹的风险 ····································································································60 第五节 技术支撑 ········································································································63 第六节 配套案例 ········································································································64 第七节法律法规········································································································65 第八节本章小结及AIF 观点···················································································66 第四章网络支付 ··········································································································· 67 **节概念导入········································································································68 第二节网络支付········································································································70 第三节国内外网络支付的发展与现状····································································76 第四节网络支付的技术支撑····················································································80 第五节网络支付风险与监管····················································································83 第六节网络支付助力数字普惠金融发展································································88 第七节配套案例········································································································91 第八节相关法律法规································································································92 第九节本章小结及AIF 观点···················································································93 第五章互联网银行、证券、保险及互联网基金 ···························································· 95 **节本章概述········································································································95 第二节互联网银行····································································································96 第三节互联网证券··································································································101 第四节互联网保险··································································································104 第五节互联网基金··································································································107 第六节技术支撑······································································································109 第七节配套案例 ······································································································110 第八节法律法规 ······································································································ 111 第九节本章小结及AIF 观点·················································································113 第六章互联网信托、智能投顾及金融信息平台 ···························································115 **节本章概述 ······································································································115 第二节互联网信托 ··································································································116 第三节智能投顾 ······································································································119 第四节金融信息服务平台······················································································125 第五节技术支撑······································································································127 第六节配套案例······································································································128 第七节法律法规······································································································128 第八节本章小结及AIF 观点·················································································130 第七章中国互联网金融创新的热点地区 ····································································· 131 **节中国互联网金融发展概况··········································································131 第二节互联网金融发展环境分析··········································································133 第三节北京——环渤海经济圈金融制高点··························································140 第四节上海——长三角洲经济圈双核之一··························································144 第五节杭州——长三角洲经济圈另一核心··························································147 第六节深圳——珠三角经济圈强势崛起的明星城市··········································151 第七节配套案例······································································································156 第八节政策扶持和研究力量··················································································157 第九节本章小结及AIF 观点·················································································158 第八章互联网金融的国际热点区域 ············································································ 160 **节概述··············································································································160 第二节北美——互联网金融创新标杆··································································161 第三节英国——互联网金融监管重镇··································································167 第四节互联网金融在欧洲的发展··········································································170 第五节互联网金融在亚洲的发展··········································································173 第六节互联网金融在拉丁美洲的发展··································································174 第七节中东——新兴互联网金融创新热点区域··················································176 第八节配套案例······································································································177 第九节法律法规······································································································180 第十节本章小结及AIF 观点·················································································181 第九章互联网征信：中国和其他国家的实践 ······························································ 182 **节互联网征信概述··························································································182 第二节传统征信模式与美国互联网征信的发展··················································186 第三节中国互联网征信发展··················································································196 第四节中国互联网征信的机遇与挑战··································································203 第五节技术支撑······································································································205 第六节配套案例······································································································207 第七节法律法规······································································································207 第八节本章小结及AIF 观点·················································································209 第十章大数据、云计算与金融创新 ············································································ 210 **节主要概念及本章概述··················································································210 第二节大数据产生的阶段与类型 ··········································································211 第三节大数据分析与金融创新··············································································213 第四节大数据分析在互联网金融的主要应用：征信和风控······························217 第五节云计算在互联网金融创新中的重要作用··················································219 第六节云支付··········································································································223 第七节云计算在互联网金融应用中面临的挑战··················································226 第八节配套案例······································································································228 第九节技术支撑······································································································228 第十节法律法规······································································································230 第十一节本章小结及AIF 观点·············································································231 第十一章比特币、区块链技术与金融创新································································· 233 **节基本概念及本章概述··················································································233 第二节数字加密技术······························································································235 第三节比特币和金融创新······················································································238 第四节区块链和金融创新······················································································243 第五节技术支撑······································································································249 第六节配套案例······································································································252 第七节法律法规······································································································252 第八节本章小结及AIF 观点·················································································253 第十二章互联网金融风险 ·························································································· 255 **节互联网金融风险概述··················································································255 第二节互联网金融风险分类··················································································257 第三节互联网金融风险管控··················································································263 第四节互联网金融时代的消费者权益保护··························································269 第五节配套案例······································································································271 第六节技术支撑······································································································272 第七节章节小结及AIF 观点·················································································274