Empirical Research of the Impact of Internet Finance on Personal Finance

The development of the Internet finance has formed a huge impact on the current China's financial system, which inevitably has a major influence on the field of personal finance. The empirical analysis has carried on for the influence by using the survey data in this paper. The results show that factors of residents such as family income, investment structure, education level and age will have an impact on the "Internet finance cognition"; People recognize advantages of the Internet finance, but also misgive on the security of it; For the prospects of Internet finance, most people are still more optimistic, but they don't think the Internet finance can replace the Bank's current position.