经济与管理评论
經濟與管理評論
경제여관리평론
Review of Economy and Management
2015年
6期
13-21
,共9页
互联网金融%普惠金融%金融共生性%信息共享
互聯網金融%普惠金融%金融共生性%信息共享
호련망금융%보혜금융%금융공생성%신식공향
Internet finance%Inclusive finance polices%Financial symbiotic%Information sharing
互联网金融是金融活动借助互联网等现代技术工具实现的金融服务普及和延伸以及由此带来的一系列创新实践活动。分析发现，交易回报的泛货币化、需求推动金融创新以及共生性的金融生态系统是互联网金融的重要特征。因此从本质上讲，互联网金融实现的是“渠道”或“平台”的突破和优化，提高了资金支付的效率，实现了多元化、深层次的资金供求匹配。文章认为金融抑制下的市场需求、市场供求结构的变化、信息技术的变革、金融生态群落的沉淀以及普惠金融政策的实施是中国互联网金融产生与发展的根本原因。文章从传统金融中介理论比较分析角度入手，构建了互联金融动因理论、模式理论及风险理论为一体的完整理论逻辑框架。
互聯網金融是金融活動藉助互聯網等現代技術工具實現的金融服務普及和延伸以及由此帶來的一繫列創新實踐活動。分析髮現，交易迴報的汎貨幣化、需求推動金融創新以及共生性的金融生態繫統是互聯網金融的重要特徵。因此從本質上講，互聯網金融實現的是“渠道”或“平檯”的突破和優化，提高瞭資金支付的效率，實現瞭多元化、深層次的資金供求匹配。文章認為金融抑製下的市場需求、市場供求結構的變化、信息技術的變革、金融生態群落的沉澱以及普惠金融政策的實施是中國互聯網金融產生與髮展的根本原因。文章從傳統金融中介理論比較分析角度入手，構建瞭互聯金融動因理論、模式理論及風險理論為一體的完整理論邏輯框架。
호련망금융시금융활동차조호련망등현대기술공구실현적금융복무보급화연신이급유차대래적일계렬창신실천활동。분석발현，교역회보적범화폐화、수구추동금융창신이급공생성적금융생태계통시호련망금융적중요특정。인차종본질상강，호련망금융실현적시“거도”혹“평태”적돌파화우화，제고료자금지부적효솔，실현료다원화、심층차적자금공구필배。문장인위금융억제하적시장수구、시장공구결구적변화、신식기술적변혁、금융생태군락적침정이급보혜금융정책적실시시중국호련망금융산생여발전적근본원인。문장종전통금융중개이론비교분석각도입수，구건료호련금융동인이론、모식이론급풍험이론위일체적완정이론라집광가。
Internet finance is the popularization and extension of financial services,as well as a series of innovative practice activities resulting from which,in virtue of some modern technologies,such as internet technology.Our analysis finds that quasi monetization of trading returns,financial innovation driven by demand and financial symbiotic system are the important features of Internet finance.Es-sentially,Internet finance achieves breakthrough and optimization of “channel”or “platform”,improves the efficiency of the funds pay-ment and realizes diversified and deep match of funds supply and demand.We argue that the critical reasons of emergence and develop-ment of China's Internet finance include market demand under financial repression,changes in market supply and demand structure, changes and reforms in information technology,precipitation of financial ecological communities and implementation of financial inclu-sive policies.And from the perspective of comparative analysis in intermediation theory of traditional finance,we also construct a com-plete logical framework of internet finance which includs internet financial motivation theory,model theory and risk theory.
