关于互联网金融发展与金融征信体系建设的思考

Development of Internet Finance and Construction of Financial Credit Investigation System

互联网金融在"野蛮"增长后逐渐暴露出了一些问题,尤其是股权众筹、P2P等直接融资模式产生的信用违约问题颇受社会关注,给互联网金融的稳定发展造成障碍。本文从业务模式、特点及风险的角度对互联网金融进行介绍,从金融征信体系建设角度为互联网金融的健康稳定发展提供政策建议。

After years of ＂barbaric＂ growth, Internet finance has gradually exposed some problems, especially the high-profile credit default of direct financing mode such as Equity-based crowd-funding and P2P, which stand in the way of its stable development. In this article, Internet finance is introduced from its business mode, characters and risks, and policy advice is provided from the perspectives of building financial credit investigation system.