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With the development and perfection of Internet technology and Internet infrastructure, the development of Internet finance has more advantages, which has promoted the prosperity and development of financial industry. Internet finance effectively breaks the inadequacy of the separation of enterprises from the market by economic theory, and forms a new financial operation system. In order to gain advantages in the fierce competition, it is necessary to actively carry out business model innovation, value creation, and regulatory policy for Internet banking development process, from the perspective of credit analysis of the construction of business model and value of Internet financial creation, give full pay to the Internet banking.

Study on the Business Model and Value Creation of Internet Finance Based on Credit Construction