互联网金融商业模式发展演进探析

Analysis on the Development and Evolution of Internet Finance Business

本文基于广义虚拟经济理论视阈,突破传统的物本经济思维局限,融入精神信息态等分析要素,从互联网金融发展演进的经济社会、产业组织、消费文化、模式功能等多维层面,研究广义虚拟经济时代金融与互联网的关联交互和延展迭代,深刻剖析互联网金融发展源泉和价值创造的本质属性,揭示其业态拓展和商业模式创新的演进驱动力及人本生活价值重塑逻辑,以期为提升互联网金融研究的理论诠释力和实践引导力提供新的研究理念。

This article is based on the perspective of generalized virtual economic theory. It breaks through the limitations of the traditional economic thinking and integrates into spiritual information as analytical factors. From multidimensional levels including economic society, industrial organization, consumption culture and model function of the development and evolution of Internet finance, this article researches on the associated interaction and extend iteration of finance and Internet in the era of generalized virtual economy, analyses the developing source and value creation essence of Internet finance profoundly, and then revealsthe driving forces of business development and business model innovation, as well as the logic of human life value reconstruction, hoping to provide new research concept for promoting the theoretical interpretation and practice guiding force of Intemet financial research.