互聯網金融是一個比較新興的概念，也是一個充滿未知，充滿想像空間的概念，其興起有其獨特的背景。這些背景中，有些是全球性的，有些則為中國大陸所特有。 本文藉由相關的一些文獻回顧，並結合一些數據分析趨勢，以中國大陸的互聯網金融為主要研究對象，結合相關論文和期刊的觀點，同時也結合網路上以及電視節目裡一些專家學者的觀點，將這些加以整合，並結合我自己對互聯網金融的一些看法，讓大家對互聯網金融有個整體的瞭解，瞭解整體的框架。 本文探討了互聯網金融的基本概念，特點分別是成本和邊際成本低，效率高能夠充分而快速地抵達潛在客戶，但以小微客戶為主，覆蓋廣，發展迅速，但淘汰率快，監管弱，風險大，市場格局可能發展成寡頭市場。本文也探討了互聯網金融的幾個典型誤區，分別是互聯網金融就是電子化，將一些傳統的金融業務從線下搬到線上就是互聯網金融，不細分客戶，所有客戶都通過互聯網來服務。 本文將互聯網金融分8個模式進行探討，分別是第三方支付，P2P，眾籌融資，互聯網貨幣，大數據金融，互聯網金融門戶，互聯網理財產品，資訊化金融機構，並分別論述這8個模式對傳統金融的影響，並進行中美兩國互聯網金融的對比，預測互聯網金融未來的趨勢。 / Internet financial service is a relatively new concept, an unknown concept and a concept full of imagination. It has special backgrounds. Some are global, and some are unique in China. This paper mostly focuses on the Internet financial services in China. This article combines the view of some papers and magazines, and the paper also combines the view of some experts on TV and on the Internet. But some of this view is not so proper in my point. So I combine this view with my own opinion. I wish that the readers will have a simple understanding of the Internet banking from my paper. This paper discusses the basic concepts of Internet banking. The characteristics are low cost and low marginal cost, high efficiency. The main customers usually do not have too much asset. It has wide coverage, develops rapidly. Its attrition rate is fast. It has weak supervision , high risk and the market may develop into oligopolistic market structure. This article also discusses some typical errors of understanding of Internet banking. The first one is that Internet banking is just electronic. The second one is that moving the traditional financial business from offline to online is the Internet banking. The third one is to use the Internet to service all the customers with no customer segments. This article will discuss the 8 modes of Internet banking, which are third-party payment, P2P, crowd funding, Internet currency, big data finance, Internet banking portals, Internet financial products, information oriented financial institution. And this paper also discusses these eight models’ impact on traditional finance. This paper compares the differences between Chinese and American Internet financial services. At last, the paper predicts the future trends of Internet financial services。

自針對心理壓力的研究盛行以來，心理壓力和工作績效的關係得到了學界諸多領域的關注。警察是高壓群體，在量化和質化研究的雙重驗證下，得到了學界一致性的認同。而警察的壓力所影響的並不僅只是其個人工作績效，更關乎整個社會的治安狀況。此外，對於壓力而言，局限於測量警察族群的壓力，對於解決問題本身沒有根本性作用。基於以上原因，本研究專注於警察高壓的原因及形成機制。根據非正式預訪談得知所長是警察生涯中壓力最為突出的一個階段，故本研究將目標鎖定在警察階段的所長族群。為了挖掘所長高壓原因及其形成機制，本研究透過質化深入訪談的研究方法，深入訪談了大臺北地區7位男性派出所所長和3位女性所長。經過紮根理論的研究流程和資料分析法，結果發現所長階段的壓力較為嚴重的原因主要在於其特殊的工作特點，以及家庭和工作的難以平衡；就其工作特點而言，包括：壓力多元化、工作時間過長、體力硬線要求高、休假異常、績效結構欠佳、公務冗雜和媒體壓迫。也正是因為工作特點而使得其較難在工作與家庭之間取得平衡。對於女性而言，刻板印象和社會期待均使其在警察工作中處於劣勢，但優秀的表現也會獲得更多的讚賞，與期望破壞理論（Expectancy Violation Theory）一致；而男性也恰正是因為刻板要求和社會期待使得其肩負著和女性警察機制不同但是程度相當的心理壓力。總體而言，警察體制內受到詬病的是績效考核方式，績效結構不合理並且指標沒有上限，專案頻繁，儘管不同來源的所長最終都將自我調整心態到了無可奈何的接受狀態。也正是這一結果，證明目前警察體系內協助警察舒緩壓力的管道較為匱乏，亟需改善和解決。 / The influence by stress on performance is one of the popular research issues. Former qualitative and quantitative researches proved that policeman is one of jobs with high working stress. Stress on policeman not only affect their own working performance but also societal safety. Only measurement of stress cannot make policeman perform better. Thus, this study focuses on causes and mechanism of policeman’s stress. Police inspectors in local police stations are with extremely high working stress according to informal interviews. This study interviewed three female and seven male police inspectors from Taipei City, New Taipei City and Keelung in Taiwan. After data analysis with Grounded Theory, this study concludes that special working conditions and unbalance between family and work are the main sources of stress on policemen. This job is stressful with several traits including multi-faced stress, overtime work schedule, exhausting physical energy, irregular days-off, unreasonable performance evaluation structure, complicated working issues and bothering media. It is these working conditions that make policemen stressful and difficult to make balance between work and family. Furthermore, stereotypes and social desirability burden female policemen. However, consistent with Expectancy Violation Theory, female policemen would also gain more recognition and compliment when they perform positively; Male policemen are required to take over more work for female policemen because of social desirability. In general, the biggest source of stress for policemen in Taiwan is the unreasonable performance evaluation system. It comes out as taking it without other alternatives for most policemen no matter where they were trained before. There has not been effective assistance for policemen within police system in Taiwan.