中国互联网金融创新发展动力机制研究

Research on Dynamic Mechanisms of Innovation and Development of China Internet Finance

摘要:

中国互联网金融发展迅猛,以第三方支付、P2P网络贷款、众筹融资、电商小贷、网络理财超市等互联网金融业态,成为推进普惠金融发展整体经济战略实施的重要产业载体。本文在市场变革、技术进步、制度调整和组织创新四力驱动理论框架下,对互联网金融模式创新与发展路径进行解析,总结了典型互联网金融模式的结构与特征,指明了移动化、电商化、自金融将成为我国互联网金融的主要发展方向,并提出互联网金融健康发展引导策略。

关键词:互联网金融;金融普惠;动力机制;健康发展

Abstract:

With the rapid development, China Internet finance, like third party payment, P2P, small loans for e-supplier, crowd funding, Internet financial supermarket and so on, has promoted the inclusive financial system and overall economic development strategy. The paper first raises a four-force-driving theoretical framework of market changes, technological advance, institutional restruction and organizational innovation, and analyzes the development path of Internet finance. Second, it summarizes the structure and characteristics of the typical mode of Internet finance. It is mobilization, e-business and self-finance that lead the direction of China Internet finance. Last, it puts forward the countermeasures against the healthy development of Internet finance.

Key words:Internet finance; inclusive financial system; dynamic mechanisms; healthy development