互联网金融与供给侧改革的并轨战略研究

On Incorporation Strategy between Internet Finance and Reform of the Supply Side

随着"十三五"规划首次提及互联网金融,其在经济转型升级的地位与意义被提升至国家战略层面。2016年,我国经济下行趋势或将持续,而供给侧结构性改革则将加大推进力度,在此双重背景下,互联网金融行业将承载更多的改革使命,同时也会获得极佳的成长契机。基于对互联网金融在供给侧改革中的责任与发展机遇,为推进供给侧改革的深入落实,并加快互联网金融的自身创新发展,互联网金融企业应依托大数据驱动金融供给创新、提升信贷资源配置效率、坚持差异化品牌发展路径、深度挖掘用户需求变化、提升金融风险防控能力并着力推进绿色互联网金融。

In spite of P2 P platform run frequently in 2015,causing the industry image suffer great negative impact,but Internet financial industry remains the extraordinary momentum of development.And as ＂Thirteenth-Five Year Plan＂first mentioned the Internet finance,it was promoted to the national strategic level in the economic transformation and upgrading. In 2016,our country economy downward trend or will continue,the supply side structural reform will make greater efforts to promote. Under the dual background,Internet finance will not only carry more mission,but also get excellent growth opportunities.Based on the analysis of Internet financial responsibility in the supply side reform and development opportunity,in order to promote the reform of the supply side of the in-depth implementation,and accelerate the development of the Internet financial innovation itself,Internet financial enterprises should drive the financial supply innovation based on big data,improve the credit resources allocation efficiency,insist on differentiation brand development path,deep analysis user requirements change,promote the financial risk prevention and control ability,and vigorously promote green Internet finance.