现代金融产业体系的全新发展机遇——互联网金融的创新通道及约束因素

New Development Opportunities of the Modern Financial Industry System——Innovation Channel and Constraint Factors of Internet Finance

互联网金融既包括非金融机构的互联网企业从事的金融业务,也包括金融机构通过互联网开展的业务。互联网金融借助大数据、云计算等科技创新成果,以较低的成本、极致的客户体验和移动互联网的快捷便利,发展势头异常迅猛,尤其是对传统金融机构的挑战表现渐趋明显。但需指出,互联网金融也面临技术、制度和监管上的桎梏因素,必须在创新精神指导下,以服务实体经济、防范金融风险、保障用户权益等方面夯实基础。同时,传统金融机构也应借互联网金融发展之机,加快深度融合与改革转型力度。

Internet finance includes financial services offered by non-financial Internet enterprises and financial institutions which conduct business on the Internet. Using scientific and technological innovation such as big data and cloud computing, Internet finance has made rapid and enormous progress with low cost, superb customer experience and convenient mobile Internet technology, posing an increasing challenge to traditional financial institutions. But it should be noted that Internet finance also confronts technological, institutional and supervision obstacles. It must strengthen itself in terms of serving the real economy, guarding against financial risks and guaranteeing the rights and interests of the users, under the guidance of the spirit of innovation. At the same time, the traditional financial institutions should also take advantage of the development of Internet finance, speed up the deep integration, and intensify reform and transformation.