Frontiers in Management Research

Download PDF (228.5 KB) PP. 71 - 77 Pub. Date: April 26, 2019

DOI: 10.22606/fmr.2019.32003

• Zhou Xianyin^*
  Tianjin University of Commerce, Tianjin, China

As a product of the deep integration of the Internet and the financial industry, the rapid development of Internet finance has changed the traditional way of urban residents' wealth management and provided new investment ideas. The inclusiveness of Internet finance and the sharing of information have broken the space and time constraints, expanded the scope of investment and wealth management, enriched the service targets of financial products, and partly compensated for the lack of positioning of traditional investment and wealth management markets. In order to study urban residents' application of internet finance, this paper firstly understands and explores the literature and theoretical basis of Internet finance, and then analyzes the concept and characteristics of Internet finance. Based on this, analysis of the development status and application of four typical models of internet finance and advise on the risks of Internet financial applications. In the end, this paper believes that with the continuous development and improvement of Internet finance, urban residents' application of Internet finance has been popularized and deepened.

Internet finance, urban residents, risk

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