互联网理财是指相关公司与金融机构合作，通过互联网技术和平台为客户提供财富保值增值的服务模式。随着互联网技术的发展和网民数量的大幅度增长，2013下半年以来，中国互联网理财产品和理财平台不断出现。

      中国主要电子商务企业（阿里巴巴、苏宁、京东）、互联网公司（腾讯、百度等）均已推出了互联网理财产品。例如阿里巴巴推出的余额宝、百度推出的百赚、腾讯推出的理财通等均成为中国主流的互联网理财产品。

      中国现有大多数互联网理财产品本质上是货币基金，如余额宝对接的是天弘增利宝货币市场基金，百赚对接的是华夏现金增利E货币基。由于许多互联网理财产品实现了货币基金的T+0赎回，具有投资门槛低（许多1元起售），购买及赎回方便快捷，收益率较高（一般高于银行一年定期存款）等特点，因而吸引了大批用户。

       在现有互联网理财产品中，规模最大的为余额宝。该产品于2013年6月13日推出，隶属于阿里巴巴公司。截至2014年3月31日，余额宝申购额总计5413亿元，在货币基金申购额中市场份额为37.13%。自成立日至2014年3月31日，余额宝为客户累计实现收益75亿元，其中2014年一季度收益额高达57亿元。自成立日至2013年末，余额宝平均年化收益率为4.9%；自成立日至2014年一季度，该产品平均年化收益率为5.2%。

      从理财平台来看，各大互联网公司和第三方基金销售机构正在加紧布局这一领域，淘宝、和讯、百度、腾讯、网易、新浪、京东等公司的理财平台相继上线。中国现有互联网理财平台主要分为以下几类：
电商平台：淘宝和京东，主要为金融机构提供电子商务平台，金融机构在淘宝或京东开设店铺销售理财产品。
展示平台：百度财富、腾讯理财超市等，主要利用聚集的用户优势，将理财产品引入理财平台并分类列表展示，最后引导用户进入第三方理财网站购买理财产品。
销售服务平台：腾讯理财汇、天天基金网等。例如腾讯利用旗下子公司财付通获得的第三方支付牌照和基金销售支付牌照，建立理财平台“理财汇”，为用户提供净值查询、基金筛选、基金诊断、股票资讯、大势行情、预约开户等一站式在线服务。

      在互联网理财平台中，理财产品购买规模较大的有东方财富网旗下的天天基金网。2014年第一季度，天天基金网认购/申购交易多达1,955,738笔，基金销售额为385亿元，环比增长83.8%。2014年第一季度，东方财富网的基金销售业务收入已超过其他业务，成为公司的核心业务之一。

《2014年中国互联网理财行业研究报告》主要包括以下内容：
中国互联网金融概况（包括互联网用户，金融机构存款，社会融资规模，互联网金融商业模式、投资案例、市场现状、发展趋势等）
互联网理财产品市场（包括定义，分类，相关政策及机构，市场概况，竞争格局，互联网理财对银行影响等）
互联网理财平台市场（包括中国及国外互联网理财平台概况，综合性理财平台，基金销售平台，手机理财APP等）
主要互联网理财产品分析（包括阿里、百度、腾讯、苏宁、京东、天天基金网等公司的互联网理财产品简介、盈利模式、申购额、资金投向、收益等）
主要互联网理财平台分析（包括阿里、百度、腾讯、京东旗下的理财平台，天天基金网、数米基金网、好买基金网、基金买卖网、爱基金网等基金销售平台）

Internet financing refers to the service pattern in which relevant companies carry out cooperation with financial institutions to provide customers with wealth preservation and appreciation through internet technology and platform. With the development of internet technology and significantly-growing number of netizens, internet financial products and platforms are constantly emerging in China since the second half of 2013.

Leading Chinese e-commerce companies (Alibaba, Suning, Jingdong) and internet companies (Tencent, Baidu, etc.) have launched internet financial products, e.g. Alibaba’s Yu’ebao, Baidu’s Baizhuan, Tencent’s Li Cai Tong have all become the mainstream internet financial products in China.

In China, most of the existing internet financial products are, in essence, monetary funds, like Yu’ebao docked with TianHong Income Box Money Market Fund, and Baizhuan docked with ChinaAMC Cash Income MMF E. Many internet financial products have realized T+0 monetary fund redemption, characterized by low investment threshold (starting at RMB1 in many cases), convenient and efficient purchase and redemption, and high rate of return (generally higher than the bank’s 1-year fixed term deposit), thus attracting a large number of users.

Introduced on June 13, 2013, Alibaba’s Yu’ebao is currently the biggest internet financial product. As of March 31, 2014, its subscription amount totaled RMB541.3 billion, accounting for 37.13% of monetary fund subscription. Since its inception to March 31, 2014, Yu’ebao has realized cumulative earnings of RMB7.5 billion for its customers, as high as RMb5.7 billion in the first quarter of 2014. Since its inception to the end of 2013, Yu’ebao’s average annualized rate of return had stayed at 4.9%, which climbed to 5.2% since its inception to the end of the first quarter of 2014.

With regard to financial platform, major internet companies and third-party fund sales institutions are stepping up the field layout: Taobao, Hexun, Baidu, Tencent, Netease, Sina and Jingdong have successively launched their financial platforms, mainly divided into the following categories:

E-commerce platform: Taobao and Jingdong mainly provide e-commerce platform for financial institutions, which set up shops at Taobao or Jingdong to sell financial products.
Display platform: Baidu Caifu (caifu.baidu.com), Tencent’s Financial Supermarket (finance.qq.com/market.htm), etc. which take advantage of gathered users to introduce financial products into financial platform for list gallery by category, and finally guide users to enter third-party financial websites to buy financial products.
Sales & service platform: Tencent’s Li Cai Hui (money.tenpay.com), fund.eastmoney.com, e.g. Tencent by using third-party payment license and fund sales payment license obtained by its subsidiary – Tenpay establishes the financial platform “Li Cai Hui” to provide users with one-stop online services involving net inquiry, fund screening, fund diagnosis, stock information, market trend, making appointment for account-opening, etc..

Among internet financial platforms, fund.eastmoney.com (under eastmoney.com) boasts large-scale purchase of financial products, with the number of subscription transactions hitting 1,955,738 in the first quarter of 2014, generating fund sales of RMB38.5 billion, a quarter-on-quarter increase of 83.8%. At the same time, fund sales of eastmoney.com by virtue of outstanding revenue has become one of the company’s core businesses.

China Internet Financing Industry Report, 2014 covers the followings:
Overview of internet finance in China (including internet users, deposits of financial institutions, scale of social financing, business model, investment case, market situation, trends, etc.)
Internet financial product market (involving definition, classification, policies and institutions, market overview, competition pattern, impact of internet financing on banks)
Internet financial platform market (embracing overview of Chinese and foreign internet financial platforms, comprehensive financial platforms, fund trading platforms and mobile finance APPs)
Analysis of main internet financial products (including introduction, profit model, subscription amount, fund flow and earnings of internet financial products introduced by Alibaba, Baidu, Tencent, Suning, Jingdong and fund.eastmoney.com)
Analysis of main internet financial platforms (including financial platforms of Alibaba, Baidu, Tencent, Jingdong and fund sales platforms like fund.eastmoney.com, fund123.cn, howbuy.com, jjmmw.com, 5ifund.com.