论文总字数：18678字

摘 要

本文主要是围绕中国和美国互联网金融发展中的过程和现状进行分析比较，全文主要分了四个部分。

第一部分介绍了中国互联网金融目前的发展方式，其中主要介绍了第三方支付概念和P2P网贷的使用方式及其特点和主要优势。第三方支付是指以支付宝为首的拥有可靠的能力和让公共信服的实力，能够直接利用网络平台和移动平台进行交易支付的与各大银行签约的方式完成交易的网络新型支付模式。而P2P网贷是指交易双方能够直接在互联网上进行借贷交易的模式。

第二部分介绍了美国互联网金融发展的过程和现状，其中主要介绍了美国互联网发展的过程、美国互联网金融发展的三个阶段（从缓慢发展到迅速发展再到当下的平稳发展）和美国互联网金融的四种业务模式，分别是传统金融业务的互联网化、基于现有互联网平台的金融支付体系、互联网信用业务、互联网货币。

第三部分通过查找众多资料与新闻报道，并查阅相关书籍，总结了中美互联网金融的各自特点及优势，通过对比来找到它们之间相同点和不同点。

第四部分是根据前文的情况分析比较后对中国互联网金融发展的方向提出一些意见。如加强宏观顶层设计，发展网上银行等可以符合中国金融改革的力量,转变传统的金融业；建立多层次监管体制，加强各监管部门协作。

本文最终通过对比相关资料与调查研究发现，中美互联网金融发展因为存在人口基础、技术革新等诸多方面的不同前提而存在不同的发展情况，但在这些不同的发展阶段上，将美国互联网金融的发展与中国互联网金融的发展相对比，有很多值得我们思考和引以为鉴的地方。

关键词：互联网金融；P2P网贷；第三方支付；金融支付；众筹

The Comparison and Analysis of Internet Financial Development in China and America

Abstract

This paper mainly revolves around China and the United States in the development of the Internet financial process and present situation carries on the analysis comparison, the full text main points four parts.

The first part introduces the development of China"s Internet financial way, which mainly introduced the concept of third-party payment and loan way of using P2P networks and their characteristics and main advantages. Third-party payment refers to pay treasure, for example, have a certain strength and credit guarantee of independent agencies, adopt the way of signed a contract with each big bank, deal with bank payment and settlement system interface support platform of online payment mode. P2P network credit refers to the individual and between individuals through the Internet platform to realize direct borrowing.

The second part introduces the process and the status quo of financial development of the Internet, which mainly introduces the development of the Internet, the United States, the process of the development of the Internet financial three stages (from slow to rapid development to the present the steady development of) and the four of us Internet financial business model, respectively is the traditional financial business of the Internet, financial payment system based on the existing Internet platform, the Internet, Internet currency credit business.

The third part through to find many materials and news reports, and access to books, summarized the characteristics and advantages of the Internet financial of China and the United States, by comparison to find similarities and differences between them.

After the fourth part is according to the situation of the above analysis and comparison of the direction of China"s Internet financial development put forward some opinions. The top design, such as strengthening macro development of the bank on the net that can conform to China"s financial reform, such as power, change the traditional financial sector; Establish multi-level regulatory system, strengthen the regulatory cooperation.This article finally by comparing the relevant data and investigation and study, found that Internet financial development of China and the United States because of the population base, technical innovation, and many other aspects of the different premise, the development of the situation, but in the different stages of development, the development of the Internet financial compared with the development of China"s Internet financial, there are many worthy of our thinking and learning place.

Key words: Internet financial; Peer-to-peer (P2P); Third-party payment; Financial payment

目录

摘 要 I

Abstract II

1.1 研究背景 1

1.2 研究目的及意义 1

1.3 研究内容及方法 2

1.4 论文框架 3

第二章 相关文献综述 4

2.1 互联网金融模式分类 4

2.2 中美互联网金融发展过程比较 4

2.3中美互联网金融模式对比分析 5

2.4 总结 6

第三章 中美互联网金融的发展过程及现状比较 7

3.1 中美互联网金融发展过程比较 7

3.2中美互联网业金融发展模式现状比较 8

3.2.1第三方支付的中美现状比较 8

3.2.2 P2P网络借贷的中美现状比较 10

3.2.3 众筹的中美现状比较 10

第四章 中美互联网金融发展环境差异 12

4.1监管制度方面 12

4.2经济结构方面 12

4.3 制度方面 13

4.4 居民理财观方面 13

第五章 第三方支付模式的案例分析——以支付宝为例 14

5.1 支付宝介绍 14

5.2 paypal介绍 14

5.3 支付宝和paypal的比较 14

5.4 总结 15

第六章 我国互联网金融模式的发展建议 16

6.1 关于P2P网贷的发展建议 16

6.2 关于第三方支付的发展建议 16

6.3 关于众筹的发展建议 17

6.4 关于互联网金融外部环境建设的建议 18

参考文献（References） 19

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