摘要
“新型冠状肺炎”(COVID-19)的爆发以及在全球范围内的蔓延,不仅对全球人民的生命健康安全造成巨大威胁,也对全球的金融经济发展形成重大挑战。一场突如其来的公共卫生危机,使得互联网消费金融行业面临挑战与机遇。通过采用产业链的研究方法,深入剖析新冠肺炎疫情对互联网消费金融带来的产业链冲击:金融监管资源有限容易滋生监管套利与金融风险;平台竞争激烈,形成经营恶化与结构分化的双重困境;融资渠道日益收缩,融资难、融资贵的问题难以破解;线下消费场景不足,互联网消费金融资产端对接困难。对此,有针对性地从监管端、平台端、资产端与资金端提出对策建议,即提升互联网消费金融监管效率,有效防范监管套利与金融风险;强化科技助力疫情防控,助推互联网消费金融平台高质量发展;发展场景消费金融,深化消费场景与互联网消费金融的融合;拓展多元化融资渠道,有序推进互联网消费金融资产证券化。
Novel coronavirus(COVID-19)broke out and spread worldwide.It not only posed a great threat to the health and safety of the people,but also posed a major challenge to the global financial and economic development.The COVID-19 is an unexpected public health crisis,and China’s Internet consumer finance industry is also facing challenges and opportunities.By using the research method of industrial chain,this paper deeply analyzes the impact of COVID-19 on the industrial chain of Internet consumer finance:the limited financial regulatory resources are easy to breed regulatory arbitrage and financial risks;the platform competition is fierce,resulting in the dual dilemma of business deterioration and structural differentiation;the financing channels are shrinking,and the problem of difficult and expensive financing is hard to solve;the development of offline consumption scenarios is insufficient,and the connection of Internet consumer financial assets is difficult.In this regard,this paper puts forward some countermeasures and suggestions from the regulatory side,platform side,asset side and capital side.That is to improve the supervision efficiency of Internet consumer finance and effectively prevent regulatory arbitrage and financial risks;strengthen technology to help prevent and control COVID-19 and promote the high-quality development of Internet consumer finance platform;develop scenario consumer finance and deepen the integration of consumption scenario and Internet consumer finance;expand diversified financing channels and orderly promote the securitization of Internet consumer financial assets.
作者
尹振涛
程雪军
YIN Zhentao;CHENG Xuejun(Institute of Finance and Banking,Chinese Academy of Social Sciences,Beijing 100710,China;Law School,Shanghai University,Shanghai 200444,China)
出处
《重庆理工大学学报（社会科学）》
CAS
2021年第3期44-55,共12页
Journal of Chongqing University of Technology（Social Science）
基金
国家社会科学基金项目“我国互联网金融市场准入与监管法制重大理论与实践问题研究”(16BFX098)
中国社会科学院国情调研重大项目“关于互联网金融风险治理调研”(GQZD2020006)。
关键词
新冠肺炎疫情
互联网消费金融
产业链
冲击
对策
COVID-19
internet consumer finance
industry chain
impact
countermeasure
