互联网金融发展影响因素实证分析

The Empirical Analysis of Influence Factors of Internet Finance

互联网金融的飞速发展已对传统金融的经营模式产生了巨大冲击。究竟是哪些因素影响和决定了互联网金融的发展等问题引起了各界关注。笔者在前人研究基础上,归纳了影响互联网金融发展的五大因素,根据2004年~2013年有关数据,选择指标运用熵值法对影响因素进行实证分析。研究表明：在影响因素中,网民特征对互联网金融发展的影响最大;在具体指标中,网购总额对互联网金融发展的影响最大,利率对互联网金融发展的影响不够显著,包括网购在内的互联网金融相关产业的发展能有效带动互联网金融的发展。

The rapid development of the Internet Finance had scant impact on the operation mode of traditional finance. The question what factors influence and determine the mode of Internet Finance＇s development attracted many people＇s attention. On the basis of the past researches,the author summarizes the 5 factors that influence Internet Finance. Based on the related index from 2004 to 2013,the author uses entropy value method to conduct empirical analysis. The result shows that among the influence factors,the characteristics of Internet users have the largest impact on Internet Finance; in the specific indicators,＂online sales＂is the most important index to Internet Index,and the influence of ＂interest rate＂is not significant to the development of the Internet Finance.