Analysis of Internet Financial Planning Based on the Development in China and America

Based on an analysis of China residents' financial needs and the main risks of internet financial planning, taking internet financial planning as a breakthrough point, the chapter compares the current situation and development experience of internet finance between developed countries and China from Chinese investors' perspective to analyze the tendency of internet finance development in China. This chapter finds the scale of China residents' financial planning remains to be enlarged. It finds that the gradual improvement of the supervision, the survival of the fittest of financial platform, the development of robot-adviser, and other financial innovations show the optimistic outlook of internet financial planning in China. This study shows theoretical value and practical significance to analyze the future of internet financial planning model and financial product selection in China.