互联网金融的理论解释与中国现实

A Theoretical Explanation of the Internet Finance in China

目前,互联网金融正在国内飞速发展,但其存在和发展的理论基础却非常薄弱。同时,相较于互联网技术更发达的美国,我国的互联网金融虽然诞生更晚,但其旺盛的生命力和对已有金融体系的冲击却比美国显著得多。尝试从金融中介理论出发,用已有的金融学理论来解释互联网金融存在的意义和根据,并从制度红利的角度分析我国互联网金融的特殊内涵。

Nowadays, the internet finance is rapidly developing in China, but the theoretical basis for its existence and development is very weak. Another noteworthy problem is that, however, compared to the United States, whose internet technology is more advanced, speed of development and the impact on the financial system of the internet finance of China is more significant. This paper attempts to start from fi-nancial intermediation theory, use existing finance theory to explain the meaning of existence of the in-ternet finance, and then, from the respect of institutional bonus, analyze the specific logic of the internet finance in China.