2014年是中国互联网金融回归理性的一年，也是移动支付、移动金融全面进入人们生活的一年。互联网金融对中国金融业的影响已日趋深入且趋于理性，传统金融机构全面布局互联网金融，无论是整体战略，还是产品创新，都展现出对互联网金融前所未有的重视。两类互联网金融的新型业态——P2P网络借贷和众筹融资在监管部门的默许下得以快速生长，并伴随出现了许多发展初期的问题。以BAT为代表的互联网企业在深耕自己互联网业务的基础上，将战略触角实质性地延伸到监管严格的金融领域，取得了两张互联网银行牌照和两张征信牌照，筑起了实现“普惠金融”的梦想，推动了产融一体化发展。可以说，在未来的几年里，传统金融机构与互联网企业的竞争与合作决定着中国互联网金融甚至整个中国金融业的发展方向。
2014 is the year that China’s Internet finance returns to rationality. Meanwhile，mobile payment and mobile banking have made full access to people’s lives. The impact of Internet finance market on China’s finance industry has entered in depth and rationality. Traditional financial institutions have not only showed unprecedented attention on Internet finance market，but also taken actions on the overall strategy and product innovation to enter the market. Represented by BAT，Internet companies based on deepening their own Internet business have extended strategic tentacles substantially to the famously heavily regulated financial “club”. Internet companies have obtained two bank licenses and two credit licenses，and they are building the great dream of building a “grassroots”financial empire. It can be said that in the next few years，the competition and cooperation of traditional financial institutions and BAT（Internet companies）- representing two forces - will determine the future development of China’s Internet finance industry or even finance industry as a whole.
| Keywords： | Internet FinancePaymentCrowdfundingCredit InvestigationP2P Lending through InternetBig Data Finance |
