“十三五”期间我国互联网金融模式转型与升级

Internet Financial Model Transformation and Upgrade During the Period of the "13th Five-Year"

"十三五"改革释放的整体信号是"创新、协调、绿色、开放、共享",其中对互联网金融产业提出规范性的要求,旨在通过与传统金融相融合的方式持续改革,推进向互联网模式的转型,在推进经济新常态理念下,互联网金融是打造"双创"局面的重要保障。文章基于互联网金融背景、现状和趋势展开研究,在阐明国内互联网金融行业模式的基础上,提出推进金融机构改革、发挥新兴产业优势、引导普惠金融职能的转型与升级方向。

The overall signal of China＇s reform in the ＂13th Five-year＂ period is ＂innovation, coordination, green, open, sharing＂. It provides a normative requirements for financial industry, which is designed to fit the traditional financial reform, so as to promote the transformation of the Internet model. Under the new normal in promoting economic concept, the Intemet finance is an important guarantee for ＂double creative＂. In this paper, the domestic Internet model is proposed from the aspects of transformation, upgrading based on the Intemet financial background, status and trends.