财经科学
財經科學
재경과학
Finance and Economics
2015年
1期
1~10
,共null页
互联网金融 金融生态系统 系统论
互聯網金融 金融生態繫統 繫統論
호련망금융 금융생태계통 계통론
Inter- finance; The Ecological System of Finance; System Theory
互联网金融产生的“鲶鱼效应”时传统金融业态产生了深远影响。传统金融生态如何在互联网语境下的演变、优化并达到新的平衡成为理论界和实务界的关注焦点。本文分析了互联网金融产生的社会背景和现实基础,从互联网金融用户、互联网金融服务提供商等角度指出我国互联网金融的发展正处于初级阶段,并通过梳理现有互联网金融法律法规,从系统论的角度初步分析了我国互联网金融生态体系中存在着安全保护、监管法律缺失、与实体经济脱节等问题,并提出了相应的政策建议。
互聯網金融產生的“鯰魚效應”時傳統金融業態產生瞭深遠影響。傳統金融生態如何在互聯網語境下的縯變、優化併達到新的平衡成為理論界和實務界的關註焦點。本文分析瞭互聯網金融產生的社會揹景和現實基礎,從互聯網金融用戶、互聯網金融服務提供商等角度指齣我國互聯網金融的髮展正處于初級階段,併通過梳理現有互聯網金融法律法規,從繫統論的角度初步分析瞭我國互聯網金融生態體繫中存在著安全保護、鑑管法律缺失、與實體經濟脫節等問題,併提齣瞭相應的政策建議。
호련망금융산생적“염어효응”시전통금융업태산생료심원영향。전통금융생태여하재호련망어경하적연변、우화병체도신적평형성위이론계화실무계적관주초점。본문분석료호련망금융산생적사회배경화현실기출,종호련망금융용호、호련망금융복무제공상등각도지출아국호련망금융적발전정처우초급계단,병통과소리현유호련망금융법율법규,종계통론적각도초보분석료아국호련망금융생태체계중존재착안전보호、감관법률결실、여실체경제탈절등문제,병제출료상응적정책건의。
The "Catfish effect" of the Inter- finance has an important influence to the traditional financial. How to change, optimize and reach a new equilibrium for traditional financial within environment of the internet become the focal point to both theory and practice. The article analyzes the social background and realistic foundation of the Inter-finance. The article point out that the Inter- finance of China is in the primary- stage because of the Inter- finance users and Inter-finance service providers. By analyzing the existing laws and regulations of the Inter- finance, the paper point out that there are some problems in the Inter- finance eco - system of China, such as Inter- safety protection, loss of regulatory laws, and disconnect the real economy, etc. and puts forward the corresponding policy Suggestions.