U.S. financial industry as the Internet pioneer country in recent years has been through technological innovation leading financial services form this new trend. Internet brings the digital revolution, intelligent data analysis capabilities, the growing popularity of intelligent terminals, greatly reducing the threshold of U.S. Internet financial services,[url=http://www.scarpembt.eu/]scarpe mbt[/url], and show a good development prospects. The Internet as an independent carrier of third-party payment, the congregation raise financing, credit card services, financial community, online transactions, personal finance, microfinance and P2P service types, operators of various shapes, are profoundly changing the financial services industry territory of Americas most prestigious free personal finance site Mintel, more than 10 million registered users. The site was founded in September 2007 on the line, in October 2010 by the famous accounting software company acquired due to special premium. Mintel has a number of innovative features: First, it can authorize the users multiple account information (such as checking, savings, investments and pensions, etc.) all accounts linked with Mintel automatically update the users financial information; secondly It can automatically put a variety of income information classified into different categories (such as dining, entertainment, shopping, etc.). These two features combine user equivalent to have personal financial center. More importantly, Mintel available statistical functions to help users analyze the proportion of open converse sale support, develop individualized programs and financial plan to save money. Another investment adviser Sigma-lattice sites in the May 1, 2012 formally launched, users can automatically synchronize scattered in various data on the investment account on the website to be showcasing. Through analysis of the data on these investments, Sigma-lattice weekly automatic diagnostic users investment portfolio, give personalized recommendations to help users save costs and increase revenue. The site is completely free for individual users, and its revenue primarily from the financial media to use its authorized investment instruments, as well as broker or investment adviser recommends referral fees. In early July, Sigma-lattice obtained $ 15 million B round of financing, users on its platform assets of $ 75 billion. Although there have been many U.S. Internet banking model, but market watchers pointed out that in the current Internet banking systems, P2P mode and all the chips are the two revolutionary force. P2P net loan lending club as a leader model, the rise in 2008 after the global financial crisis. The company is a leading U.S. online users to create personal lending platform, the website directly connected individual investors and borrowers, members can be implemented directly person to person micro-lending. Lending club through technology platforms and credit risk assessment to the investor an opportunity to direct lending, borrowers do not need to let into the bank, directly online lending, regardless of any time shoes, any place. Bypass traditional banks and other financial institutions, to achieve such a direct person to person through the website obvious benefits of borrowing, liquidity cycle is shortened, funds transfer process has been simplified, the net loan-deposit interest rates than bank interest on loans than banks. Streamlined-person net loan allows investors and lenders in time and economic benefits of a win-win double, this way of private lending since 2007 launch will be rapid expansion. Currently the corporate customers throughout the U.S. 43 states, the United States P2P traffic occupies 79% of the market share of lending in fiscal year 2012 to get $ 35 million revenue. In October, the companys turnover increased to $ 223 million. Up to now, the company since its inception in 2007 contributed a total of 28.5[url=http://www.converseallstar.gr.com]converse all star[/url] one hundred million U.S. dollars online loans, investors get a return $ 255 million. 2013, borrowing the club was named "Forbes U.S. most potential business List" section 12, the company is busy preparing its IPO in 2014, listing plan. Rapid growth in lending club turnover,[url=http://www.nikeblazersolde.net]nike blazer solde[/url], the main reason is the risk management and control. The company attaches great importance to the users credit history, focusing on the transaction process control. It does not use P2P sites bidding prevailing one, but different users credit rating after the website specified by the corresponding fixed-rate and fixed term, which added a large increase converse dealmaker success rate. Borrowing club the use of rich data to assess the credit, in addition to the U.S. Bureau of the basic data of credit, the borrower should answer why borrowing, the amount of hope, educational background, occupation and other basic information. They obtained through a third party clients IP address,[url=http://www.ukconversesale.co.uk]converse uk sale[/url], email, telephone number and address and other information to analyze the credit risk of fraud. With the development of large data, these jobs are becoming automated. As a platform, lending club does not actually bear the credit risk, the profit model is from the borrower get 4.5% commission, where investors receive 1% of the costs, but the clubs expense borrowing roughly half of the banking sector. Congregation raised pattern is to focus public funding, capacity and channel for small businesses or individuals to undertake certain activities to provide the necessary financial assistance to the United States in recent years, one of the hottest entrepreneurial direction. April 2012, the United States through the JOBS Act (Jumpstart Our Business Startups Act), to allow small businesses to raise financing through public access to equity capital, which the congregation to raise financing alternative to some traditional securities business as possible. Chip mode is represented by the public in April 2009 the company established in the United States Caicos Dart. The company through an online platform for the design, music, movies, games and other areas of creative project financing, as of now, has 51,000 project funding $ 860 million, mbt shoes attracted a total of 5.1 million investors. Return on investment to the project products, such as music CD, movie posters, naming rights to the characters in the game, and the opportunity to meet other designers. For each project, the first group of investors who are mostly responsible for the projects friends, fans and acquaintances, investors can also use social networking sites that recommend their good items. This market analysts believe that the Internet is rapidly emerging financial industry, the Internet transform the traditional financial sector irreversible trend [url=http://www.sneakersnewbalance.nl]new balance sneakers[/url], but Internet companies currently operating in the financial sector only some of the simpler products, although the Bank of America with ugg to some challenges, but do not yet have to shake the traditional banks, especially the big banks size and strength.