互联网金融推进策略研究——以江西省为例

互联网金融在我国发展十分迅速,也极其重要。本文以江西省为例,分析了互联网金融发展具有降低市场交易成本、减少信息不对称和促进金融脱媒的作用,介绍了江西省互联网金融发展总体情况,以及规模小、发展不平衡、业务模式多样化、利率高等主要特征,然后阐述了发展过程中存在的总体发展水平落后、平台规模小、利率偏高、监管法规缺位等问题,最后提出了加强立法制度建设、合理分类监管、成立行业协会、增加人才存量的建议。

Internet Banking develops quickly in our Country now, and it is also very important. Taking Jiangxi Province as an exam- ple, the article analyzes that the development of Internet Banking can reduce market transaction costs, decrease information asymmetry and promote financial disintermediation, and then introduces the overall situation and main features. Then, the article introduces the main Internet Banking companies in Jiangxi Province and problems in the development of Jiangxi In ternet Banking. In the end, the article proposes the suggestion to strengthen the construction of the legislative system, su pervision of reasonable classification, establish associations and increase the stock of talents.