According to Analysys' analysis, the rapid development and innovation of Internet finance in product form has spawned various forms of business models, technologies and products, while constantly raising new questions to the regulators. The original regulatory model and technology are gradually falling behind in the market with a large amount of capital investment, which is confirmed by the constant occurrence of risk events and policy documents to remedy the situation.
Therefore, the balance between innovation and compliance of Internet products has become a prerequisite for the effective development of the business format. All the existing Internet financial products in the market have not jumped Fax List out of the background of "shadow banking". In addition to simply adding up the Internet and traditional finance to form an online financial model, relying on large companies or large funds to cover risk exposures mouth. In the current market, there are still no conditions for accurately enabling big data risk control and artificial intelligence into products.
So far, there are four business functions of Internet finance: Online payment platform based on third-party payment; Financing platforms represented by crowdfunding, lending, consumer finance, and supply chain finance; A "one-stop" functional platform for diversified wealth management products; A service platform that provides consumers with financial product search and price comparison. In the future, the product form of Internet finance will be based on these four basic models, opening up business boundaries, expanding business space and channels, and empowering them with technology.