摘要
本文从传统信贷模型出发,基于互联网信息技术的改进构建了一个基于互联网金融的小微融资概念模型。研究发现:互联网金融改变融资可得性的原理,是利用金融大数据以及现代信息交互技术,降低了市场信息不对称度,并且提供了新型的风险控制模式。在此模型基础上,以电商金融模式为例,探讨了我国互联网金融现状,并提出引导电商金融有序发展的政策建议:适度开放电商平台自融资渠道;建立电商平台融资服务核心数据指标与技术标准;允许电商平台对其会员支付账户余额提供更加广泛的投资服务。
This paper proposs a conceptual model of internet-based microfinance model with information and tion technology （ICT） derived from traditional SME finance model. The key principle of internet finance that improves credit availability is through financial big data and modern ICT, which result in reducing information asymmetric and improving risk control mechanism. Based on the model, taking E-business finance model as an example, the paper discussed present situation of internet finance in China, several suggestions on guiding development of E-business finance are brought forward, such as moder- ately permitting public finance of E-business platform ; develop key data index and technical standard for E-business financing service; providing broader investment service with E-business member＇s account balance.
出处
《经济体制改革》
CSSCI
北大核心
2015年第5期158-163,共6页
Reform of Economic System
基金
国家自然科学基金重点项目"基于计算实验方法的复杂演化金融系统建模"(71131007)
国家自然科学基金应急项目"信息技术与中小企业融资模式创新"(71341006)
国家科技支撑计划子课题"投融资担保服务系统研发与建设"(2012BAH31F04)的资助
关键词
互联网金融
电商金融
风险控制
小微融资
internet finance
e-business inance
risk control
microfinance
