基于以电商平台为核心的互联网金融研究

Research of the Internet Finance with the Core as E-commerce Platform

互联网金融是互联网和金融相结合的新型金融模式,电商金融对经济和金融的影响力是目前所有互联网金融模式中最大的。本文研究了电商金融的形成背景,分析参与电商金融的四个要素;从电商平台联结不同对象的角度,将电商金融分为消费者信贷和中小微企业贷款,并对电商金融模式进行细化总结,探讨了电商金融的乘数效应和对金融脱媒的影响;最后对互联网金融的风险和监管进行了分析。

Combining finance with Internet,Internet finance is a new mode of finance,among which E-commerce finance exerts the greatest impact upon economy and finance.Based on the analysis of the development of E-commerce,the article elaborates on the four elements that are involved in E-commerce finance.From the criteria that the objects linked via the E-commerce platform are different,E-commerce finance could be divided into consumer credit and small-and-micro enterprise loans.It discusses the multiplier effects of E-commerce finance and its impact on financial disintermediation.In conclusion,it article analyzes the risks and regulation of Internet finance.