CAJ | 학술논문

本文提出以余额宝为代表的互联网金融快速扩张可以在事实上起到加快利率市场化的作用，应适当鼓励金融创新和培育网络金融的发展。但由于以余额宝为代表的互联网金融自身产品模式缺陷、相关监管框架缺位以及其脆弱性等因素都将放大风险。本文建议尽快对互联网金融进行适当的调控和监管，以保障消费者权益，避免大的系统波动。
본문제출이여액보위대표적호련망금융쾌속확장가이재사실상기도가쾌리솔시장화적작용，응괄당고려금융창신화배육망락금융적발전。단유우이여액보위대표적호련망금융자신산품모식결함、상관감관광가결위이급기취약성등인소도장방대풍험。본문건의진쾌대호련망금융진행괄당적조공화감관，이보장소비자권익，피면대적계통파동。
Through an analys is based on Yuebao, this article found that the expansion of Internet finance could promote the interest rate marketization in fact. Therefore, we should encourage the development of financial innovations and internet finance. However, the weakness of product mode, lack of regulation framework and vulnerability of internet finance will increase risk. Proper regulation is needed to protect the rights of investors and avoid large systematic volatility.