互联网金融与传统金融的互补性研究

Complementary research on Internet finance and traditional finance

民营经济多样化投融资需求、信息技术进步共同催生了互联网金融,为我国金融市场注入活力。互联网金融弥补了传统金融效率低等不足,同时也与传统金融同样面临竞争与威胁,因此需要二者协同互补发展。文章首先对互联网金融及传统金融的概念、特征进行理论梳理;然后基于SWOT分析法分析互联网金融、传统金融的优势、劣势、机遇与威胁,研究二者互补发展的必要性,展望互补发展的前景;最后基于协同发展立法、信息保护立法角度提出互联网金融与传统金融互补发展的建议。

Under the background of the diversified investment and financing demands of the private economy and the progress of modern information technology,the Internet finance is promoted,which injects vitality into China’s financial market.Internet finance makes up for the low efficiency of traditional finance,and faces the competition and threats with traditional finance.Therefore,it is necessary for them to develop in a coordinated and complementary way.In this paper,first of all,the concept and characteristics of Internet finance and traditional finance are briefly analyzed.Then,based on SWOT analysis,the advantages,disadvantages,opportunities and threats of Internet finance and traditional finance are respectively analyzed,and simultaneously,the necessity of their complementary development is studied,and the prospect of their complementary development is prospected.Finally,from the perspective of collaborative development and information protection legislation,the paper puts forward some suggestions on the complementary development of Internet finance and traditional finance.