CAJ | 학술논문

互联网金融是互联网信息技术与金融行业的互相渗透，凭借其成本及信息两大优势，为传统金融业务开辟新的渠道和市场，为开展小微金融提供便利，更以我国中小企业长期处于融资困境这一现实背景为契机，在国内迅猛发展。通过对互联网金融研究现状的梳理，讨论互联网金融的内涵及其重点关注问题。在分析发达国家互联网金融发展经验的基础上，结合我国所处的金融发展阶段、信息技术水平以及外部市场环境，探析国内互联网金融模式。
호련망금융시호련망신식기술여금융행업적호상삼투，빙차기성본급신식량대우세，위전통금융업무개벽신적거도화시장，위개전소미금융제공편리，경이아국중소기업장기처우융자곤경저일현실배경위계궤，재국내신맹발전。통과대호련망금융연구현상적소리，토론호련망금융적내함급기중점관주문제。재분석발체국가호련망금융발전경험적기출상，결합아국소처적금융발전계단、신식기술수평이급외부시장배경，탐석국내호련망금융모식。
Internet of Finance refers to the interpenetration between internet information technology and financial industry. With two advantages of low cost and information, internet of finance provides a new way and a new market for running traditional financial business. Internet of Finance also facilitates micro financial business, and has a rapid development. By summarizing the present researches in internet of finance, we discuss the connotation of internet of finance and give an overview of the major problems. On the basis of international experience of developed countries, along with the stage of financial development, the level of information technology and the external market environment in our country, we illustrate the existing patterns of internet of finance in China.