Abstract
China’s Internet fnance industry developed explosively from 2012 to 2015. Undersupplyof fnancial services, progress of information technology and accommodative regulations for Internet finance jointly explain the explosive development. Regulation tightened after the small-scale P2P lending crisis in 2015. The present paper discusses the role of information technology and mega data analysis in fnancial services, with particular attention paid to some popular misconceptions. The paper predicts that large fnancial institutions and information technology companies will play a dominant role in the
future development of Internet fnance.
 

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