CAJ | 학술논문

互联网金融已借助互联网科技和金融的耦合发酵成为必须重视的社会热点问题。这些问题需要在理论和制度层面去研究其内涵、外延、本质，并合理界定政府与市场的界限，处理好其与传统金融的关系。对此，必须立足于互联网金融在中国的运行逻辑进行分析，着重剔除其异化的成分，规范其有益的部分。具体地，应把握住政府与市场、自律与他律、安全与创新这几对关系，并以法律和政策相结合的方式确定相应的规则。唯如此，方能实现互联网金融健康、有序发展。
호련망금융이차조호련망과기화금융적우합발효성위필수중시적사회열점문제。저사문제수요재이론화제도층면거연구기내함、외연、본질，병합리계정정부여시장적계한，처리호기여전통금융적관계。대차，필수립족우호련망금융재중국적운행라집진행분석，착중척제기이화적성분，규범기유익적부분。구체지，응파악주정부여시장、자률여타률、안전여창신저궤대관계，병이법률화정책상결합적방식학정상응적규칙。유여차，방능실현호련망금융건강、유서발전。
The internet finance, through a “coupling fermentation” process between internet technology and ifnances, has become a hotly disputed social issue that calls for necessary attention. At present, a series of following problems within the theoretical as well as the systematic level needs to be solved, including recognizing the nature, meaning and conceptual extension of internet finance; determining of the boundary between the government and the market along the development and regulation of internet finance; dealing with the mutual relations between internet ifnance and traditional ifnance. To answer these questions, it is important to discuss the deeper essence of Internet Finance together with its applicational logic in China, through which its aberrant components can be removed whereas the beneficial functionalities would be brought into exertion. Specifically, the relations between government and market, self-discipline and heteronomy, safety and innovation should be properly balanced and also, the rules upon Internet Finance should be established through a combined consideration about law and policy in order to achieve the healthy growth of Internet Finance.