CAJ | 학술논문

互联网金融是我国金融市场化改革不力的“伴生”产物，它通过加速国内存款利率市场化、加快国内金融混业经营推进步伐、助力放开国内金融行业准入限制等，而对我国金融自由化进程产生积极推动作用。我国应把握互联网金融这一市场自发力量，遵循先国内金融市场化后国际金融自由化的改革次序，稳步有序的推进完成我国金融自由化改革。
호련망금융시아국금융시장화개혁불력적“반생”산물，타통과가속국내존관리솔시장화、가쾌국내금융혼업경영추진보벌、조력방개국내금융행업준입한제등，이대아국금융자유화진정산생적겁추동작용。아국응파악호련망금융저일시장자발역량，준순선국내금융시장화후국제금융자유화적개혁차서，은보유서적추진완성아국금융자유화개혁。
Internet finance is the“associated”product of the ineffective financial reform of China’s financial market by accelerating the domestic deposit interest rate marketization,speeding up the pace of financial mixed operation,powering open the accessing restrictions of domestic financial industry,and having a positive role in promoting the process of financial liberalization in China. China should grasp the Internet finance of this sponta-neous market forces,follow the order,by first reforming the domestic financial market ,then promoting the inter-national financial liberalization,so as to reach steady and orderly completion the reforming of China’s financial liberalization.