互联网金融支付体系的破坏性创新

The Disruptive Innovation in Internet Financial Payment Systems

互联网金融是借助于互联网技术实现资金融通、支付和信用中介等业务的金融模式。互联网金融对支付体系的破坏性创新,突出表现在互联网金融支付体系的运行效率、货币形态的改变、"无现金的社会"的显现以及影子银行的发展。对待互联网金融支付体系,既要鼓励创新又要完善监管。

As a mixture of traditional finance and internet,internet finance is a finance mode supported by internet technology to realize such services as fund accommodation,payment and credit intermediary services. The disruptive innovation made by internet finance to traditional payment systems is characterized by the operating efficiency of internet financial payment systems,the change of the forms of currency,emergence of'non- cash- society'and the development of shadow banks. The internet financial payment systems need both encouragement and ever- improving supervision.