共享经济时代我国互联网金融的发展机遇与监管探析

In the Era of Sharing Economy the Development Opportunities and Supervision of InternetFinance in China

共享经济时代,互联网金融发展是一个新命题。由于互联网金融与共享经济相融相通的特性,决定了互联网金融是受共享经济影响最大的行业之一。共享经济向互联网金融行业的深入渗透、全面融合及再次创新,对互联网金融企业的发展提出了更高的要求。如何合规健康的发展,是目前亟待解决的问题。本文首先对共享经济与互联网金融的关系进行了分析与探讨。其次,总结了共享经济时代我国互联网金融企业发展面临的时代机遇,具体表现为经济发展进入新常态,社会融资需求强烈,需求带动成长;监管体系日益完善,合规发展的基调确定,为共享经济发展提供了体系保障;理财需要和消费升级,推动行业持续变革。最后,为促进互联网金融的有序发展,指出我国互联网金融发展的监管方向。

Sharing economy era,financial development is a new proposition.The characteristic of financial internet and sharing economy are interlaced and interpenetrated,therefore,internet finance is one of the industries most affected by the sharing economy.The deep penetration,comprehensive integration and re‑innovation of sharing economy has put forward higher requirements for the development of internet finance enterprises.How to develop healthy is an urgent problem to be solved.Firstly,the relationship between sharing economy and internet finance is analyzed and discussed.Secondly,opportunities of China’s internet financial enterprises in the era of sharing economy is summarized.Specifically,economic development has strong demand for social financing and demand‑driven growth.The regulatory system has provided a systematic guarantee for the development of the sharing economy.financial management and consumption upgrade have made the industry continue to change.Finally,in order to promote the orderly Development of internet finance,the supervision direction of the development of internet finance in China is pointed out.