互联网金融创新探究:基于技术与制度视角

Internet Financial Innovation Review:Technology and System

互联网金融模式创新就其目前创新程度看属于效率提高型,尤其是现在的金融应用技术创新不足难以支撑模式颠覆性创新,使得互联网金融局限在金融互联网化的阶段。迫于中国社会信用环境较差的情景,要求较高信任基础的互联网金融模式难以适应而引发平台跑路以及个人违约频繁,互联网金融发展需要更多引入新兴制度和技术创新来加强完善。从社会网络到区块链技术等新兴技术在互联网金融中的应用,指出利用互联网金融技术和制度创新来降低互联网金融风险,促进互联网金融的健康发展,使之成为支撑中国经济崛起的新兴金融工具,是需要研究的重大问题。

Internet finance model is a type of improve efficiency from the current level of innovation. Especially, the lack of technological innovation on the financial applications is difficult to support the mode of disruptive innovation now, which makes Internet finance in the stage of finance Internet-based. In a poor social credit environment scenario of China, Internet finance model that needs higher requirements of trust foundation is difficult to adapt, then many platforms collapse and many borrowers default frequently, so Internet finance needs to improve through the introduction of new systems and technologies. From the emerging technology application in the Internet finance such as social networks and block chain technology, it can reduce the risks of Internet finance by the innovation of Internet technology and finance system, which promotes the healthy development of Internet finance, making it into a new financial instrument to support Chinese economic rise.