“互联网+金融”新业态与实体经济发展的关联度

The Correlation between New Format“Internet & Finance”and Real Economic Development

"互联网+金融"作为一种新业态和金融创新,利用互联网平台的大数据获取中小企业信用数据、交易行为数据,从而为中小企业进行信用等级评估,为符合条件的个人或中小企业提供资金融通服务。国外关于"互联网+金融"助推实体经济发展的相关研究得出,"互联网+金融"对创业、经济增长有促进作用,但是需要在一个完善的制度框架内运行,同时需要建立完善的信用数据库作为支撑。"互联网+金融"助推实体经济发展,应建立健全"互联网+金融"的制度框架,建立完善的社会信用评级体系,促进银行与涉及互联网金融的企业和平台的深度合作。

As a new format and financial innovation, ＂＇internet ＆ finance＇uses big data of mternet plattorm to obtain credit data and transaction behavior data of SMEs, so as to credit rating for SMEs, as qualified individuals or SMEs financing services. Foreign research on the ＂internet ＆ finance＂ to boost economic development entities have concluded that ＂internet ＆ finance＂ could promote entrepreneurs and economic growth, but it needs to run within a institutional framework and a sound credit database as a support. In order to boost economic development entities, we should establish a sound institutional framework of ＂internet ＆ finance＂,and also establish a sound social credit rating system to promote deep cooperation between banks and finance companies involved in the internet banking and platforms.