摘要
以云计算、第三方支付、社交网络、移动技术为技术基础的互联网金融,打破了我国传统金融行业的垄断和惰性,提高了资源配置效率。从本质上讲,互联网金融活动借助互联网技术手段实现的一系列创新实践活动,是金融与互联网的跨界交融与整合。从理论上讲,互联网金融颠覆了传统金融的理论基础,尤其是挑战了现代金融中介理论的两大基石——"信息不对称"与"交易费用",极大地降低了信息不对称和交易成本。从未来发展趋势上看,互联网金融对于中国金融民主化、内生金融、普惠金融的发展将产生巨大影响。
Based on cloud computing, third-party transaction, social network and mobile technology, internet finance break the monopoly of traditional financial system and improved the financial market efficiency. Essentially speaking, internet finance is a combination of serious of internet technology based financial innovation. Theoretically, internet finance overturn the modern financial theories, especially ＂Information Asymmetry＂ and ＂Transaction Cost＂ and reduce the transactional cost to a large extend. In the tendency, internet finance will have big impact on financial democracy, endogenous finance and inclusive finance in China.
出处
《产业经济评论》
2016年第1期71-77,共7页
Review of Industrial Economics
关键词
互联网金融
交易成本
信息不对称
金融民主化
Internet Finance
Transaction Cost
Information Asymmetry
Financial Democracy
