摘 要
互聯網的迅猛發展給我們的生活生產方式帶來了巨大的變革，改變了我們的生存模式。特別是互聯網和金融的結合，對我國的經濟發展具有重大的意義?；ヂ摼W和金融的結合以互聯網金融這種新的模式出現并存在著，互聯網金融從本質上說仍具有金融的一般屬性，金融的本質是跨時間空間實現資金融通、重新配置資源?；ヂ摼W金融作為一種新的支付結算、融通資金的模式并沒有改變傳統金融的功能，只不過是一種運作模式的改變，打破了傳統金融機構的經營模式，注重交互式、個性化、自助化的客戶體驗，提高了資金融通的效率?；ヂ摼W金融是金融業的發展一種重要新型模式，然而從目前已有文獻來看，對互聯網金融進行研究的還是很少，對其系統性研究的更是少之又少。本文立足新視角全面的剖析互聯網金融的發展研究，互聯網金融對傳統金融機構、金融業以及促進經濟增長的影響。一方面，互聯網金融依托互聯網、大數據、云計算等技術延伸和擴展了金融市場的邊界，彌補了我國金融領域的空白，使得小微客戶和中小企業融資的便捷性增強，互聯網金融對我國經濟增長具有一定的促進作用。另一方面，互聯網金融的出現加速傳統金融機構的脫媒，資金供求者信息流和資金流直接對接，互聯網金融現實和潛在的風險的集聚危及金融業的穩定性。
論文主體部分共分五部分，第一部分論述互聯網金融在我國的發展現狀。第五部分主要綜述了互聯網金融未來發展的理論和實踐，對互聯網金融的發展趨勢進行了合理的預測，使我們對互聯網金融有一個感性和理性的認識。論文第二、三、四部分主要圍繞互聯網金融模式對傳統金融機構的影響，互聯網金融發展對金融業和促進經濟增長的重要意義，以及互聯網金融發展不成熟、存在的風險和監管缺失。
互聯網金融正在以一種新的方式重構金融市場，使得金融業機遇與挑戰并存?；ヂ摼W金融模式具有高杠桿、涉及面廣的特征，使得風險的傳播具有廣泛性，影響金融業的系統穩定性。目前的互聯網金融發展的還是存在一定的缺陷，從事互聯網金融的企業參差不齊，技術存在一定的風險漏洞、缺乏有效的監管等，我國互聯網金融的發展前景目前不明朗，存在很大的潛在與現實風險。鑒于目前我國互聯網金融監管的缺失，本文從經濟手段和政策干預等方面提出合理的建議供政府當局和金融監管參考。
本文綜合僅有的文獻，以新視角對互聯網金融進行系統性歸納總結，較全面的分析了這種模式的現狀，并對互聯網金融的發展趨勢進行了大膽的預測，對互聯網金融的監管策略提出了具體的設計，一定的程度上彌補了文獻的空白。
關鍵詞：
互聯網金融，傳統金融機構，金融業穩定，經濟增長
Abstract
The rapid development of Internet has changed our life a lot in production modeand our survival mode. Especially with the combination of finance, it is of greatsignificance to our country's economic development. Internet finance, as a newfinancial pattern, has the general properties of finance, the nature of finance, financing,configurating resource across space and time. As a new mode of payment settlement,financing, it doesn't break the traditional definition of finance, just change themanagement pattern of traditional financial institutions, pay attention to the customerinteractive, personalized and self-support experience , improve the efficiency of thefinancing.
Internet finance is an important new mode in financial industry. But from theexisting document literature, the study of the Internet finance is few, the systemicstudy is much fewer. Based the comprehensive systemic study of Internet financemodel, we conclude that Internet finance's positive and negative influence to thetraditional financial institutions, finance industry, economy of China.
On the one hand, the Internet finance extends the boundary of financial marketsrelying on Internet, big data and cloud computing, makes up for gaps in the field offinance in China, enhances the financing convenience of the small customers andmedium-sized enterprise. On the other hand, there is some overlap in the traditionalfinancial business and Internet financial institution, breaking the monopoly position inthe field of traditional finance, accelerating financial institutions disintermediation.
This paper is divided into five parts mainly, the first part discusses the Internetdevelopment course and status quo in our country . The fifth part mainly summarizesthe future development of the Internet finance, forecasts the trend of the developmentof the Internet finance reasonably. The second, three, four part in paper compare theInternet finance and the traditional finance differences, the significance of Internetfinancial development to economic growth, and the Internet finance development isnot mature, lack of regulation.
Internet financial is a new way to reconstruct the financial market. Internetfinancial model has highly leveraged, widely involved and risk spread universalitycharacteristics, influencing the system stability of the finance industry. Now Internetfinancial development still exists some shortcomings, Internet financial companyuneven, technology risk of loopholes, etc. The future development of China's Internetfinance prospect is uncertain, there is a big risk of potential and reality. Given thecurrent Internet financial regulation in our country, the paper puts up with reasonablesuggestions for the administration and financial regulatory reference from the aspectsof economic means and policy interventions.
This paper integrates the existing document literature, systematically concludesInternet finance mode, comprehensively analyzes the present situation of this pattern,boldly forecasts the trend of the Internet finance development, makes up the blank ofthe literature to some extent.
Keywords:
Internet Finance, Traditional Financial Institutions, Finance Stability, EconomicGrowth.
目 錄
第 1 章 緒論
1.1 選題的背景及意義
1.2 相關文獻綜述
1.3 研究的思路及方法
1.4 可能的創新及不足
第 2 章 互聯網金融的發展現狀
2.1 第三方支付
2.2 p2p 網貸
2.3 眾籌
2.4 互聯網理財
第 3 章 互聯網金融對傳統金融的影響分析
3.1 傳統金融模式的經營理論
3.2 互聯網金融模式的經營理論
3.3 互聯網金融對傳統金融的業務沖擊
3.4 互聯網金融對傳統金融的促進作用
3.5 互聯網金融對傳統金融的整體影響
第 4 章 互聯網金融對金融業和促進經濟增長的影響
4.1 互聯網金融對金融業的正面影響
4.2 互聯網金融對金融業的負面影響
4.3 互聯網金融對經濟增長的影響的理論分析
4.4 互聯網金融對經濟增長的影響的實證檢驗
4.5 計量模型穩健性檢驗
第 5 章 互聯網金融風險與監管
5.1 互聯網金融存在的風險
5.2 互聯網金融的監管
第 6 章 互聯網金融發展前景展望以及政策建議
6.1 互聯網金融的發展前景展望
6.2 互聯網金融的發展的政策建議
結 論
參考文獻
致 謝
互聯網的迅猛發展給我們的生活生產方式帶來了巨大的變革，改變了我們的生存模式。特別是互聯網和金融的結合，對我國的經濟發展具有重大的意義?；ヂ摼W和金融的結合以互聯網金融這種新的模式出現并存在著，互聯網金融從本質上說仍具有金融的一般屬性，金融的本質是跨時間空間實現資金融通、重新配置資源?；ヂ摼W金融作為一種新的支付結算、融通資金的模式并沒有改變傳統金融的功能，只不過是一種運作模式的改變，打破了傳統金融機構的經營模式，注重交互式、個性化、自助化的客戶體驗，提高了資金融通的效率?；ヂ摼W金融是金融業的發展一種重要新型模式，然而從目前已有文獻來看，對互聯網金融進行研究的還是很少，對其系統性研究的更是少之又少。本文立足新視角全面的剖析互聯網金融的發展研究，互聯網金融對傳統金融機構、金融業以及促進經濟增長的影響。一方面，互聯網金融依托互聯網、大數據、云計算等技術延伸和擴展了金融市場的邊界，彌補了我國金融領域的空白，使得小微客戶和中小企業融資的便捷性增強，互聯網金融對我國經濟增長具有一定的促進作用。另一方面，互聯網金融的出現加速傳統金融機構的脫媒，資金供求者信息流和資金流直接對接，互聯網金融現實和潛在的風險的集聚危及金融業的穩定性。
論文主體部分共分五部分，第一部分論述互聯網金融在我國的發展現狀。第五部分主要綜述了互聯網金融未來發展的理論和實踐，對互聯網金融的發展趨勢進行了合理的預測，使我們對互聯網金融有一個感性和理性的認識。論文第二、三、四部分主要圍繞互聯網金融模式對傳統金融機構的影響，互聯網金融發展對金融業和促進經濟增長的重要意義，以及互聯網金融發展不成熟、存在的風險和監管缺失。
互聯網金融正在以一種新的方式重構金融市場，使得金融業機遇與挑戰并存?；ヂ摼W金融模式具有高杠桿、涉及面廣的特征，使得風險的傳播具有廣泛性，影響金融業的系統穩定性。目前的互聯網金融發展的還是存在一定的缺陷，從事互聯網金融的企業參差不齊，技術存在一定的風險漏洞、缺乏有效的監管等，我國互聯網金融的發展前景目前不明朗，存在很大的潛在與現實風險。鑒于目前我國互聯網金融監管的缺失，本文從經濟手段和政策干預等方面提出合理的建議供政府當局和金融監管參考。
本文綜合僅有的文獻，以新視角對互聯網金融進行系統性歸納總結，較全面的分析了這種模式的現狀，并對互聯網金融的發展趨勢進行了大膽的預測，對互聯網金融的監管策略提出了具體的設計，一定的程度上彌補了文獻的空白。
關鍵詞：
互聯網金融，傳統金融機構，金融業穩定，經濟增長
Abstract
The rapid development of Internet has changed our life a lot in production modeand our survival mode. Especially with the combination of finance, it is of greatsignificance to our country's economic development. Internet finance, as a newfinancial pattern, has the general properties of finance, the nature of finance, financing,configurating resource across space and time. As a new mode of payment settlement,financing, it doesn't break the traditional definition of finance, just change themanagement pattern of traditional financial institutions, pay attention to the customerinteractive, personalized and self-support experience , improve the efficiency of thefinancing.
Internet finance is an important new mode in financial industry. But from theexisting document literature, the study of the Internet finance is few, the systemicstudy is much fewer. Based the comprehensive systemic study of Internet financemodel, we conclude that Internet finance's positive and negative influence to thetraditional financial institutions, finance industry, economy of China.
On the one hand, the Internet finance extends the boundary of financial marketsrelying on Internet, big data and cloud computing, makes up for gaps in the field offinance in China, enhances the financing convenience of the small customers andmedium-sized enterprise. On the other hand, there is some overlap in the traditionalfinancial business and Internet financial institution, breaking the monopoly position inthe field of traditional finance, accelerating financial institutions disintermediation.
This paper is divided into five parts mainly, the first part discusses the Internetdevelopment course and status quo in our country . The fifth part mainly summarizesthe future development of the Internet finance, forecasts the trend of the developmentof the Internet finance reasonably. The second, three, four part in paper compare theInternet finance and the traditional finance differences, the significance of Internetfinancial development to economic growth, and the Internet finance development isnot mature, lack of regulation.
Internet financial is a new way to reconstruct the financial market. Internetfinancial model has highly leveraged, widely involved and risk spread universalitycharacteristics, influencing the system stability of the finance industry. Now Internetfinancial development still exists some shortcomings, Internet financial companyuneven, technology risk of loopholes, etc. The future development of China's Internetfinance prospect is uncertain, there is a big risk of potential and reality. Given thecurrent Internet financial regulation in our country, the paper puts up with reasonablesuggestions for the administration and financial regulatory reference from the aspectsof economic means and policy interventions.
This paper integrates the existing document literature, systematically concludesInternet finance mode, comprehensively analyzes the present situation of this pattern,boldly forecasts the trend of the Internet finance development, makes up the blank ofthe literature to some extent.
Keywords:
Internet Finance, Traditional Financial Institutions, Finance Stability, EconomicGrowth.
目 錄
第 1 章 緒論
1.1 選題的背景及意義
1.2 相關文獻綜述
1.3 研究的思路及方法
1.4 可能的創新及不足
第 2 章 互聯網金融的發展現狀
2.1 第三方支付
2.2 p2p 網貸
2.3 眾籌
2.4 互聯網理財
第 3 章 互聯網金融對傳統金融的影響分析
3.1 傳統金融模式的經營理論
3.2 互聯網金融模式的經營理論
3.3 互聯網金融對傳統金融的業務沖擊
3.4 互聯網金融對傳統金融的促進作用
3.5 互聯網金融對傳統金融的整體影響
第 4 章 互聯網金融對金融業和促進經濟增長的影響
4.1 互聯網金融對金融業的正面影響
4.2 互聯網金融對金融業的負面影響
4.3 互聯網金融對經濟增長的影響的理論分析
4.4 互聯網金融對經濟增長的影響的實證檢驗
4.5 計量模型穩健性檢驗
第 5 章 互聯網金融風險與監管
5.1 互聯網金融存在的風險
5.2 互聯網金融的監管
第 6 章 互聯網金融發展前景展望以及政策建議
6.1 互聯網金融的發展前景展望
6.2 互聯網金融的發展的政策建議
結 論
參考文獻
致 謝
