Proceedings of 2025 2nd International Conference on Applied Economics, Management Science and Social Development (AEMSS 2025)

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The Impact of Internet Finance on the Efficiency of Financial Resource Allocation

Authors
Zhaoyan Guo1, *
1Qingdao Chengyang District No. 1 Senior High School, Chengyang District, Qingdao City, Shandong Province, 266108, China
*Corresponding author. Email: guozhaoyan2007@126.com
Corresponding Author
Zhaoyan Guo
Available Online 7 June 2025.
DOI
10.2991/978-94-6463-752-6_36How to use a DOI?
Keywords
Internet finance; Financial efficiency; Big data; Ant Financial
Abstract

Based on literature and case studies, this paper studies the impact of internet finance on the efficiency of financial resource allocation in China. In the traditional banking system, due to information asymmetry between banks, enterprises, and consumers, as well as transaction costs of bank loans, financial resources may not be effectively allocated. However, under Internet finance, the application of big data has greatly reduced the degree of information asymmetry; At the same time, the application of data algorithms reduces the cost of manual loan review and lowers transaction costs. Therefore, Internet finance can improve financial allocation efficiency. This paper takes Ant Financial, China’s largest internet financial platform, as an example to sort out how internet finance can improve the efficiency of resource allocation. The article found that Ant’s deposit and loan business has high allocation efficiency and provides financial support for the development of small and medium-sized enterprises and farmers.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of 2025 2nd International Conference on Applied Economics, Management Science and Social Development (AEMSS 2025)
Series
Advances in Economics, Business and Management Research
Publication Date
7 June 2025
ISBN
978-94-6463-752-6
ISSN
2352-5428
DOI
10.2991/978-94-6463-752-6_36How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Zhaoyan Guo
PY  - 2025
DA  - 2025/06/07
TI  - The Impact of Internet Finance on the Efficiency of Financial Resource Allocation
BT  - Proceedings of 2025 2nd International Conference on Applied Economics, Management Science and Social Development (AEMSS 2025)
PB  - Atlantis Press
SP  - 343
EP  - 351
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-752-6_36
DO  - 10.2991/978-94-6463-752-6_36
ID  - Guo2025
ER  -