新时代互联网金融市场治理的路径突破

On the Breakthrough of Internet Financial Market Governance in the New Era

互联网金融在中国已经发展十余年,其对降低金融交易成本、提高金融交易效率、解决中小企业融资难及推进普惠制金融具有重要意义。互联网金融作为一个新生事物,其本质属性仍是金融,不但具有金融固有的风险,也因“互联网”的加入诱发了新的风险,这对中国金融治理提出了新的要求。

Internet finance has been developed in China for more than a decade. It is of great significance to reduce financial transaction costs, improve financial transaction efficiency, solve financing difficulties of small and medium-sized enterprises and promote GSP finance. However, as a new thing, the essence of Internet finance is still finance. It not only has inherent risks of finance, but also induces new risks due to the addition of Internet, which puts forward new requirements for China’s financial governance.