互联网金融发展的新趋势及其影响研究

Study on the New Trend of Internet Financial Development and Its Influence

近几年随着互联网技术优势的凸显,我国互联网金融得以快速发展。互联网金融大大提高了资金融通效率,给现代生活生产方式带来了巨大变革和影响,也给传统金融模式带来了前所未有的冲击。基于这一发展背景,本文首先论述互联网金融发展的新动态,主要表现为互联网金融发展监管将更加趋严、大数据分析技术将与金融业深度融合、移动支付将越来越普及等。其次分析互联网金融发展对金融市场、传统银行业和社会的影响。在此基础上提出了一系列对策,主要包括加强对互联网金融的监管,维护国家金融安全;传统金融业应积极创新,提高自身竞争优势;企业、公众应加强对互联网金融的风险防范意识,增强自我保护。以维护国家金融安全、维护金融市场秩序、维护百姓权益,推进互联网金融业的不断发展壮大。

With the advantages of internet technology highlighted in recent years,Chinese internet finance has developed rapidly.Internet finance greatly improves the efficiency of finance,and the mode of production in modern life has taken great changes,and also brought unprecedented impact on the traditional financial model.Based on this development background,this paper first discusses the new trends of internet financial development,such as：financial development of the internet regulation will be tighter;big data analysis technology will merge with depth of the financial sector,mobile payment will become more popular,and so on.On the basis of it,this paper puts forward a series of countermeasures,such as,the government should take various measures to strengthen supervision of internet banking,to safeguard national financial security;traditional financial industry should innovate and improve their competitive advantage;the enterprise and the public should be strengthened on the internet financial risk prevention awareness,enhance self-protection.In order to maintain the financial market order,safeguard the country＇s financial security and safeguard the rights and interests of the people,and promote the continuous development and expansion of the Internet banking industry.