共享经济时代下的互联网金融创新与金融监管

Internet Financial Innovation and Financial Regulation in the Era of Sharing Economy

互联网金融是传统金融机构与互联网企业相结合的,以互联网“开放、平等、协作、分享”为代表精神的,利用互联网技术和信息通信技术实现资金融通、支付、投资和信息中介服务的新型金融业务模式。其既不同于传统的商业银行间接融资,也不同于资本市场直接融资的融资模式。随着互联网金融的飞速发展,其对经济的影响已不容小觑。通过对互联网金融的五种业态模式的梳理及对其发展现状的分析,了解当前互联网金融及金融监管的创新发展情况和面临的问题,最后提出几点建议。

The Internet finance is the combination of traditional financial institutions and Internet companies,with the Internet“openness,equality,cooperation,share”spirit,represented by using Internet technology and information communication technology for financing,payment,investment,and a new financial business model of information intermediary service,is different from the traditional commercial bank indirect financing,also different with direct financing capital market financing mode.With the rapid development of Internet finance,its impact on the economy is no longer negligible.This paper,by sorting out the five business models of Internet finance and analyzing their development status,understands the current innovative development and problems of Internet finance and financial regulation,and finally puts forward some Suggestions.