互联网金融契合普惠金融发展研究——基于长尾理论指导下的视角分析

The Research on the Internet Finance Combining with Inclusive Finance Development——The Analysis Based on the Angle of View of Long Tail Theory

受益于互联网技术的发展和用户行为的改变,互联网金融已经成为金融领域的新热点。互联网金融各种业态与生俱来就带有普惠性的本质特征,是普惠金融实现的重要载体。长尾理论是基于互联网技术广泛运用背景下衍生出来的经济理论,它延伸了传统的"二八定律",为互联网金融的普惠运营导向提供了理论依据,因此将长尾理论引入到互联网金融普惠发展研究有着重要的指导意义。互联网金融面临的主流市场就是长尾理论中需求曲线的利基市场,提供的金融产品就是长尾理论中潜力巨大的利基产品。互联网金融企业可以集中开发"长尾市场",通过延长客户长尾、加厚客户长尾、驱动客户长尾向下策略回归普惠本质,达到自身的帕累托最优。在确立发展策略的基础上,要依靠大数据和云计算建设普惠金融发展服务机制、搭建互联网金融普惠导向发展的政策体系、完善互联网普惠金融信用征信体系、探索构建互联网普惠金融服务超市,致力于实现互联网金融回归普惠本质。

Benefited from the development of Internet technology and changes in users5 behaviors, the Internet finance hasbecome a new hot spot in the financial sector. Internet finance is born with the inherent characteristics of inclusion, and is an important carrier of implement inclusive finance. The long tail theory is the economic theory derived from the background based on the extensive using of Internet technology. It extends the traditional “2-8 law” , and provides a theoretical basis for the Internet finance inclusive business orient. Therefore, the introduction of the long tail theory to the Internet finance inclusive development research has an important guiding significance. Mainstream market of Internet finance is the niche market on the demand curve of the long tail theory. The financial products are the niche products with great potential in the long tail theory. Internet financial enterprises can focus on the development of the “long tail market” . By extending the customers ’ long tail,thickening the customers ’ long tail and driving the customers’ long tail down to achieve their own Pareto optimal. On the basis of establishing the development strategy,Internet finance enterprises should build inclusive financial development services relying on big data and cloud computing, set up the policy system based on Internet financial inclusive-oriented development, improve the Internet inclusive financial credit system, and explore the construction of the Internet inclusive financial services supermarket to make the Internet finance return to the essence of inclusive finance.