Internet finance in China

By Li Shen
0 Comment(s)Print E-mail, April 30, 2014
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Editor's note: Chinese private online financial organizations such as Alibaba's Yu'e Bao and Tencent's Licaitong have shaken the traditional financial markets monopolized by state-owned banks, raising 250 billion yuan (US$41 billion) in just seven months and attracting over 10 billion yuan (US$1.6 billon) in only six working days.

It comes as no surprise that in the era of "big data," Internet finance will completely upend the market, profit and survival models of traditional finance institutions. The new financial service mode will realize funds allocation, payment and information intermediary depending on Internet technology and mobile technology.

In the face of the challenges of Internet finance, are the big banks really too big to fall? What should they do to catch up with the new trends? And what are the opportunities for Chinese organizations and companies? Can they blaze a new trail in online finance and lead innovation? [Have your say] presents you with insights and opinions from scholars and industry observers on this issue.


 P2P financing: regulation is the key

Dr. Zhang Lijuan is a professor at School of Economics, Shandong University.

In recent years, online financing has facilitated small-scale financing. But, without proper regulation, risks abound. For China, regulators will have to face even more challenges.  >> 


Innovation and China's online financial services 

Dr. Chen Ping is an economist and former professor of National School of Development, Peking University. 

Emerging online finance platforms can strengthen China's financial industry and promote its small and medium-sized businesses. >>


 Boao delegates support Internet finance

Yu Fenghui is a senior consultant, columnist and online commentator

Internet finance is an important innovation and a driving force in China's economy which deserves tolerance and protection. >>


Private money fund Yu'ebao shakes China 

Xu Peixi is Associate Professor at Communication University of China, Beijing. 

The success of Yu'ebao has challenged China's traditional financial institutions. Conventional banks are being forced to fight back.  >>






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