2Grace J., Charles K., Zhen W. Q.. Information and Communication Technologies and Broad Based Development: APartial Review of the Evidence[R]. World Bank Working Paper, Technical Report 12, 2003.
3CGAP. Use of Agents in Branchless Banking for the Poor: Rewards, Risks,and Regulation [R]. CGAP FocusNote,2006, 38: 1-6.
4FDC.Mobile Financial Services: Extending the Reach of Financial Services Through Mobile Payment Systems[R]. FDI,2009.
5FATF. Prepaid Cards, Mobile Payments and Internet-Based Payment Services [R]. Guidance for a Risk—BasedApproach, 2013.
6TheWolfsberg Group. Wolfsberg Guidance on Mobile and Internet Payment Services[R]. The Wolfsberg Group, 2013.
7谢平,等.通向理性繁荣——互联网金融报告2014[R].博鳌亚洲论坛资料,2014.
8吴晓灵.互联网金融监管争议根源在制度不完善[N].人民政协报,2014-3-9.
9Agrawal A., Jaffe J. F., Mandelker G. N. The Post-merger Performance of Acquiring Firms: A Re-examination of an Anomaly [J]. Journal of Finance, 1992, 47(4): 1605-21.
10Allen F., Mcandrews J., Strahan P. E-finance: An Introduction [J]. Journal of Financial Ser- vices Research, 2002, 22(1): 5-27.