摘要
互联网金融是网络信息技术与资金融通业务相结合引发的一场新的去中介化的金融革命。同传统金融相比,互联网金融具有创新性、高效性、融合性、公正性等不可比拟的优势,同样,也潜藏着资产泡沫、利率波动冲击、市场结构重组、监管法律和机制空缺滞后、网络黑客攻击等诸多风险,需要在理论和实践上制定和探索互联网金融的监管政策和监管模式。从发展趋势上看,互联网金融,将会同信贷金融和证券金融一起,形成三大金融运营模式三足鼎立及三者交融的金融互联网化态势。互联网金融,将会打破传统的贸易壁垒,从一国范围的网购支付平台和融资平台,发展为全球的互联网购物和融资系统。互联网金融,将会成为中国在全球金融业崛起的突破口。
Internet financing is a new disintermediated financial revolution caused by the combination of network information technology and financing business. Compared with traditional financing,internet financing has incomparable advantages of creativity, efficiency, integration and fairness, while it also implies several risks, such as asset bubbles, the fluctuating impact of interest rate, market restructuring, lagging law regulation and system vacancy and hacker attacks. Therefore, developing and exploring the regulatory policy and model of the internet financing are necessary both in theory and in practice. In terms of the development tendency, internet financing, credit financing and security financing will form three major financial operation models of the internet with either separation or blending of the three. Internet financing will break the traditional trade barriers and develop from one country's online payment platform and financing platform into a global internet shopping and financing system. Internet financing will become the breakthrough of the rise of China in the global financial industry.
出处
《当代经济研究》
CSSCI
北大核心
2014年第12期28-34,97+2,共7页
Contemporary Economic Research
