共享经济理念下金融产业价值实现路径

The Realization Path of Financial Industry Value under the Concept of Sharing Economy

当前我国正处于共享经济的黄金时代,在共享理念的推动下,越来越多的传统企业开始转型,借助互联网技术开展传统产业的共享式发展,其中以传统金融为基础的共享金融尤为突出。在"互联网+"发展战略的推动下,我国共享金融模式快速创新,形成了包括P2P、众筹、供应链金融、相互保险及资产证券化等为代表的新型金融业态模式,丰富了传统金融市场,提升了社会融资需求,加速了金融市场改革创新及利率市场化发展的步伐,具有拓展金融市场边界的作用,因此与互联网技术相互渗透的共享金融模式也可以创造价值。但由于共享金融改变了传统金融模式下的供给者和消费者,所形成的新经济模式和社会关系导致传统金融监管方式与方法滞后。本文以协调社会稳定发展和金融创新为目标,重点通过创新共享金融监管方式,构建共享金融监管体系的策略以保证共享金融的发展和价值实现。

At present,China is in the golden age of sharing economy. Driven by the sharing concept,more and more traditional enterprises begin to transform themselves and carry out the sharing development of traditional industries with the help of Internet technology,among which the sharing finance based on traditional finance is particularly prominent. Driven by the"Internet Plus"development strategy,China’s sharing financial model has been rapidly innovating,forming new financial models,represented by P2P,crowd raising,supply chain finance,mutual insurance and asset securitization. These models have enriched the traditional financial market,improved the social financing demands,and accelerated the reform and innovation in financial markets and the development of marketization of interest rate,with the function of expanding the boundary of financial market. So,a Shared financial model permeated with Internet technology also can create values. However,as sharing finance changes the suppliers and consumers under the traditional financial model,formed new economic model and social relations lead to the lag of the traditional financial supervision methods. This paper aims to coordinate the stable development of the society and financial innovation,and focuses on constructing the strategy of sharing financial supervision system to ensure the development of sharing finance and the realization of its value through innovating the way of sharing financial supervision.