公私合作模式与互联网金融相结合:创新模式和推进思路

Public-Private Partnership Model Combining with Internet Finance:Innovative Mode and Ideas for Development

互联网金融是基于网络技术与传统金融模式相结合而形成的全新金融发展模式。随着公私合作模式(PPP)的不断引入,加强PPP与互联网金融相结合,能够进一步拓展社会融资渠道,满足不断扩大的社会融资需求,有效推动利率市场化发展,加快金融脱媒,同时也有利于缓解地方政府债务压力,减少系统性风险。针对当前互联网金融结合PPP模式中存在的监管障碍和法律法规效力较低、投资收益吸引力不确定等实际问题,应通过完善互联网金融监管机制、PPP项目监管机制和风险分担机制,强化相关政策配套支持等手段,有效推进PPP与互联网金融相结合,实施"P2P+PPP"和"众筹+PPP"等金融创新模式。

Internet finance is a brand new financial model based on network technology and combined with traditional financial models.With the increasing introduction of PPP（Public-Private Partnership）model,the combination between PPP model and Internet finance could further expand social financing channels,meet growing social financing demands,promote interest rate marketization,and expedite financial disintermediation on the one hand,and reduce the debt burden on local governments and systematic risk on the other hand.Facing regulatory obstacles,weak laws and regulations,and uncertain investment income,in order to develop innovative financial modes such as＂P2P＋PPP＂and ＂crowdfunding＋PPP＂,we should promote PPP model combining with Internet finance by improving supervision mechanism of Internet finance,perfecting supervision and risk sharing mechanisms of PPP projects,and strengthening relevant supporting policies.