互联网金融平台的构建研究——基于信息不对称视角

Research on the Construction of Internet Financial Platform: From the Perspective of Information Asymmetry

资金供给双方交易成本的降低是互联网金融形成和运行的主要原因。由于信息不对称下道德风险和逆向选择的存在打破了互联网金融的形成和运行逻辑,互联网金融的不断创新和业务性质的日趋多样化、复杂化进一步加剧了信息不对称的负面影响。权威性的互联网金融平台的构建可以有效降低信息不对称下道德风险和逆向选择问题,保障互联网金融的形成逻辑持续有效地影响金融市场。

The decrease in transaction costs of both sides of the fund supply is the main reason for the formation and operation of internet finance.The moral risk and reverse selection under information asymmetry breaks the formation and operation logic of internet finance,meanwhile the continuous innovation of internet finance and the diversification as well as complexity of the type of internet financial services further the negative impact of information asymmetry.The construction of an authoritative internet financial platform can effectively reduce the moral risk and reverse selection under information asymmetry,and ensure that the formation logic of internet finance has a sustained and effective influence on the financial market.