我国互联网金融发展的判断和管理建议

Observations and Suggestions on the Development of Internet-based Finance in China

当前,我国互联网金融快速发展,在服务实体经济、解决小微企业融资、满足个性化金融服务需求以及推动普惠制金融发展等方面发挥了积极作用。本文从互联网金融发展的现状出发,探讨了互联网金融的本质属性和功能界定,从国际比较的视角对中国互联网金融发展的独特性进行了分析,对互联网金融的发展前景和路径、对金融改革的促进效应及监管必要性等进行了研判,从监管层面、自律层面、市场配套等方面对互联网金融的治理机制提出了可行性建议。

Internet-based finance is expanding rapidly in China,playing an active role in supporting real economy,addressing financing difficulties for small and micro enterprises,meeting the personalized demands for financial services,and promoting the development of financial inclusion.Based on the status quo of internet-based finance market,this paper discusses the nature and functionalities of internet-based finance,analyzes its specificity from international comparative perspective,studies the stimulating effect on financial reform,inquires into its prospects of evolution and the inevitability of regulation,and puts forward feasible suggestions on governance mechanism from supervision,self-regulation and market level.