我国互联网金融与传统金融共生发展研究——基于Logisitic增长模型的实证分析

Research on the Symbiotic Development between China's Internet Finance and Traditional Finance——An Empirical Analysis Based on the Logisitic Growth Model

本文以金融共生理论为切入点,首先对金融共生的基本要素及共生关系的判定标准进行了介绍,随后在Logisitic增长模型的框架下,分别选取P2P与银行业作为互联网金融与传统金融的代表,对互联网金融与传统金融的共生性进行了实证分析,最后依据实证分析结果,提出了互联网金融与传统金融共生发展的路径选择。

This paper chooses the financial symbiosis theory as a starting point,and introduces the basic elements of financial symbiosis and the defining criteria of symbiotic relationship. Then under the framework of the Logisitic growth model,the paper selects P2P and banking industry as the representatives to do an empirical analysis on the sym-biosis between the internet finance and the traditional finance. Lastly,based on the final results of the empirical analy-sis,the paper provides the path choice for the symbiotic development of the internet finance and the traditional finance.