互联网金融的经济逻辑与演进安排

互联网金融是金融抑制宏观背景下的创新演绎，有着内在的形成机理和经济逻辑。互联网金融缓解了信息不对称，降低了交易成本和金融服务门槛，拓展了金融交易可能性边界，从而增加了普惠金融供给。但与此同时，互联网金融的快速发展也隐含着潜在风险，如缺乏法律依据、技术存在缺陷、期限结构错配、干扰货币政策调控效果等等，需要做出理性而适度的演进安排。

Economic Logic and Evolution Arrangement of the Internet Finance

Internet finance is an innovative deduction under the macro background of financial repression, which has its intrinsic formation mechanism and economic logic. Internet finance eases the information asymmetry, reduces the transaction costs and threshold of financial services, and expands the possibility boundary of financial transaction, thus increasing the inclusive financial supply. But at the same time, the rapid development of internet financial also im-plies the potential risk, such as the lack of legal basis, technical flaws, the term structure mismatch, etc, which needs to make rational and moderate evolution arrangements.