中美两国互联网金融的比较探析——基于金融功能理论的视角

Comparative Analysis of Internet Finance in China and the United States

以金融功能理论作为切入点,对中美互联网金融的差异进行了论述。美国的传统金融机构在经历了利率市场化和金融脱媒的冲击后,加强了自身网络化的进程。与之对比,中国的传统金融机构特别是商业银行,在互联网金融已经攻占了商业银行核心的支付结算业务和信贷业务之后,才开始布局互联网战略,逐步建立自己的网络平台。

Based on financial function theory,we discuss the different background of internet finance in China and the United States.After financial disintermediation and marketization of interest rates,traditional financial institutions of the United States have strengthened their efforts on networking process. In contrast,China's traditional financial institutions,particularly commercial banks,set up their own network platforms only after internet finance institutions have captured payment and credit business.