互联网金融发展及其对传统金融体系的影响研究

Research on the Development of Internet Finance and Its Impact on Traditional Financial System

互联网金融是以互联网作为一种工具,将互联网与金融两者结合起来的一种新兴的金融业务。它正以其独特的经营模式和价值创造方式,从互联网金融对传统支付体系、传统投融资体系、传统金融机构信用风险体系、传统金融监管体系四个方面影响着传统金融体系。针对这些影响,从提高行业准入的门槛、加大技术创新投入、推动形成行业自律、出台国家法律法规四个方面提出了意见和建议。

Internet finance is an emerging financial business that combines Internet and finance as a tool. It is influencing the traditional financial system from the four aspects of Internet finance on the traditional payment system, the traditional investment and financing system, the credit risk system of traditional financial institutions and the traditional financial supervision system with its unique business model and value creation mode. In response to these influences, suggestions are put forward for the development of Internet finance from four aspects: raising the threshold of industry access, increasing investment in technological innovation, promoting the formation of industry self-discipline, and introducing national laws and regulations.