A new report says China's internet financing industry grew quicker, and was better disciplined in 2015 than in previous years.

The report from an industry association and economists said more than 400 million users made payments online in 2015. That was a 35 percent increase from the previous year. Almost a quarter of the online payments involved shopping.

Airplane tickets, utility bills, and online gaming also took up major payments. The report said banks would lead the industry's growth.  

It also said that new opportunities could be expected in finance technology, and asset-backed securitization.