摘要
中国金融体系存在市场化程度不高、平滑风险能力弱、国际化程度低的缺陷,因此必须通过发展资本市场推进金融体系"宽度"改革,通过开放和国际化推动金融体系"长度"改革,而互联网金融发展将会牵引金融体系的"深度"改革。互联网与金融具有基因契合的特点,互联网与金融系统的资源配置、支付结算、风险配置和竞价机制四种基本功能相耦合,因而能大大优化这些功能。本文最后分析了互联网金融与传统金融的替代边界,指出未来的金融业态是在竞争中共存、在共存中竞争。
There are still three main limitations in Chinese finance system： low level marketization, weak ability to take risks and low internationalization. Accordingly, we should push forward the ＂width＂ reform of finance by developing capital market, the ＂ length＂ reform by opening up and internationalization,and the ＂depth＂ reform by internet based finance. Internet matches with the finance genetically and couples to finance system basic functions of the allocation of resources, payment and clearance,diversification risk and bidding mechanism,which leads to optimize these four basic functions. Finally,we analyze the alternative boundary between internet-based finance and traditional finance, and point that in the future finance modes will develop in competition and compete in developing.
出处
《财贸经济》
CSSCI
北大核心
2014年第1期14-23,共10页
Finance & Trade Economics
关键词
金融体系
互联网金融金融改革
Financial System, Internet-based Finance, Financial Reformation
