互联网思维下科技金融服务业发展模式探究

Research on the Development Mode of Science and Technology Financial Services Industries with Internet Thinking

互联网思维下科技金融服务业一方面依托大数据、云计算弥补我国科技金融空白领域,提高中小客户投融资需求,减少交易成本;另一方面,它凭借自身低成本、高效率、高覆盖率、个性化等特点吸引广大投资群体,对我国传统金融产生较大影响。但其发展还存在一定缺陷,包括国家监管政策尚未完善、欠缺风险监控体系、客户信息安全问题、产品虚假包装、缺乏金融复合人才等,鉴于此,提出相应政策建议。

On the one hand,the science and technology financial services industry relies on big data and cloud computing to make up for the gap of science and technology finance in China,improve the investment and financing demand of small and medium\|sized customers,and reduce transaction costs.On the other hand,it attracts large investment groups with its low cost,high efficiency,high coverage and individuation,which has a great influence on China's traditional finance.However,its development still exist certain defects,including imperfect national regulatory policy,lacking of risk control system,customer information security problems,false packaging of financial products,lacking of composite talents,etc.In view of this,this dissertation puts forward the corresponding policy recommendations.