互联网金融发展动因、存在问题及建议

互联网金融发展在中国经济金融领域备受瞩目,成为学术界讨论研究的热点。本文以互联网金融发展为研究对象,分析互联网金融发展的动因和存在的问题。研究表明:互联网金融的发展是金融创新内因和外因相互作用的结果;互联网金融发展有其独特的理论支撑;互联网金融发展促进了监管制度、金融业务和金融组织机构的创新;阻碍我国互联网金融发展的主要问题有外部监管体系不健全、行业自律有待加强、征信体系不够完善和信息安全面临挑战等问题。促进互联网金融发展必须完善外部监管,加强行业自律,健全征信体系和加强信息安全管理。

The internet financial development has attracted the attention of the financial industry in China. It has become a popular subject in the academic discussions and studies. This article, focusing on the intemet financial development as a research subject, analyses the driven factors of the internet financial development and its issues. The research shows： the internet fi- nancial development is the result of the interaction of internal and external factors of financial innovations; the internet fi- nancial development is supported by its unique theory; the internet financial development promotes the innovation in the monitoring system, financial business and organizations. The issues preventing the internet financial development in China include the external monitoring, the industrial discipline, the credit verification system and information security. Therefore, to promote the internet financial development, we must improve the external monitoring and the industrial discipline, and strengthen the management of the information security.