广义虚拟经济视角下互联网金融的叠加虚拟性研究

Research on Superposition Virtuality of Internet Finance From The Perspective Generalized Virtual Economy

本文基于广义虚拟经济的视角,认为互联网金融是一种特殊的"互联网空间",它将金融的运行"复制"到互联网虚拟空间,作为一个虚拟平台为金融的运行提供各种高效、快捷的服务,这一特性赋予了互联网金融契合广义虚拟经济的内涵与特征。究其根源,互联网金融作为传统金融与互联网技术相互融合创新的产物,不仅具有传统金融的虚拟性,而且叠加了互联网虚拟性,从而形成了叠加虚拟性。为此,本文在现有研究的基础上对互联网金融的叠加虚拟性进行研究,并提出要严格控制互联网金融的叠加虚拟性过度膨胀,防范互联网金融因叠加虚拟性导致的叠加风险,即金融风险与互联网风险叠加,从而促进互联网金融健康发展。

Based on the perspective of generalized virtual economy, this paper considers that Internet finance is a special "Internet space", which copies the operation of finance into Internet virtual space and provides various efficient and fast services for the operation of finance as a virtual platform, and this characteristic endows Internet finance with the connotation and characteristics of generalized virtual economy. Fundamentally speaking, as a product of the integration and innovation of traditional finance and Internet technology, Internet finance not only has the virtuality of traditional finance, but also superimposes the virtuality of Internet, thus forming superposition virtuality. Therefore, this paper studies the superposition virtuality of Internet finance on the basis of existing research, and puts forward that we should strictly control the superposition virtuality of Internet finance so as to avoid overexpansion, prevent the superposition risk caused by the superposition virtuality of Internet finance, that is, the superposition of financial risk and Internet risk, so as to promote the healthy development of Internet finance.