摘要
从宏观和微观视角比较中国与欧美主要发达国家互联网金融发展的现状及差异,进而基于金融市场供需原理,分析发展中国家互联网金融的后发优势机制,得出影响互联网金融发展的两大基本要素。欧美发达国家的传统金融具有先发优势,但其互联网金融具有先发劣势;中国的传统金融具有后发劣势,但其互联网金融具有后发优势。互联网金融发展的两个基本要素是"经济增长"和"金融抑制"。互联网金融后发优势的内在机理是金融市场的供需原理。互联网金融对传统金融机构和金融体系形成了冲击。
From the perspective of macro and micro, we make a comparison between China, the major developed countries of Europe and America in the status and differences of the development of Internet Finance. We also analyze the advantages of the Internet Finance mechanism in developing countries on the basis of the principle of financial market in supply and demand. Then it is concluded that the two basic elements affect the development of the Internet Finance. The traditional finance of the developed countries in Europe and America have first-mover advantages, but its Internet finance has starter disadvantage. However, though Chinese traditional finance has the disadvantage of backwardness, its Internet Finance has the advantage of backwardness. The two basic elements of Internet Finance development are economic growth and financial repression. The inner mechanism of the advantage of Internet Finance backwardness is the principle of supply and demand of financial markets. Besides Internet Finance has influence on traditional financial institutions and financial system.
出处
《改革》
CSSCI
北大核心
2016年第2期56-68,共13页
Reform
关键词
互联网金融
金融监管
新兴产业
Internet Banking, financial supervision, emerging industry
