中国互联网金融的现在与未来

The Status Quo and Future of Internet Finance in China

中国的互联网金融发展到今天,正面作用和负面影响都同样突出。从积极的角度看,互联网金融从发展理念、管理模式,到交易特点、客户群体、新技术运用等方面,都是一次划时代的创新,对金融交易行为产生了巨大的影响。身处互联网金融引发的变革浪潮之中,传统金融机构只有借势而为,加速变革,创新经营模式、盈利模式、服务模式和生存模式才能避免被浪潮吞没。对于监管机构来说,也需要调整监管理念,建立起更加适合互联网金融发展的监管模式。互联网金融有可能成为一个新的制高点,成为中国后来居上、提升国际金融市场话语权的起点。

Currently, the development of Internet finance in China has shown equally prominent positive and negative influences. From a positive point of view, Internet finance is an epoch-making innovation in terms of its development concept, management mode, transaction characteristics, customer base, and use of new technologies, and has a great impact on financial transactions. In the tide of reform caused by Internet finance, traditional financial institutions can only follow the trend, accelerate change, innovate their operation model, profit-making model, service model and survival model to avoid being engulfed by this ＂reform wave＂. For regulators, they also need to adjust the regulatory philosophy and establish a regulatory model that better suits the development of Internet finance. Internet finance may become a new high ground and the starting point enabling China to catch up and enhance its discourse power in the international financial market.