我国物联网金融发展的困境及破解路径

RESEARCH ON THE PREDICAMENT AND SOLUTION OF FINANCIAL DEVELOPMENT VIA INTERNET OF THINGS

物联网金融可以有效改善金融行业存在的诸多问题,促进金融行业的健康与可持续发展。但是,它在发展过程中还存在着一些困境,主要包括:金融行业内部“窄”即存在适应不足,物联网金融的外部支撑“薄”,物联网技术“可塑性低”,等等。这些困境的产生是多方面作用的结果,既有以银行为主导的金融体系的自身原因,也有经济社会法律环境不完善等外部原因。这就需要相关部门采取措施,加大物联网建设投入,设立专业的物联网金融法律研究部门,推进物联网金融标准化及信息化进程;同时,银行还应调整贷款结构并加大对科技企业的投入,加大对学生实践能力的培养等。

With the continuous progress of science and technology,new models emerge,one of which is finance via Internet of Things(IoT).It can effectively improve a number of existing problems of the financial industry,and promote the healthy sustainable development of the industry.However,there are still several predicaments regarding the financial development via IoT,for instance,defects within the financial industry,weak support from external environment,and little transformation of IoT technology.These predicaments are attributed to multiple factors,including the internal financial system,the economic and social factor,legal environment and so on.Therefore,it is necessary to make corresponding adjustments so as to speed up financial development via IoT in China,for example,the investment increase on the IoT construction,the establishment of specialized legal research institute of finance via IoT,the promotion of standardization and informatization of finance via IoT,and etc.In the meantime,the loan structure of the bank should be adjusted,and S&T enterprise investment from the bank should be improved.And student's practical ability should be paid more attention to in school.