互联网金融发展和监管问题研究

互联网金融是互联网、云计算等现代信息技术进步及电子商务发展的结果。互联网金融包括互联网融资、互联网支付、互联网理财产品销售等服务,目前处于刚刚起步阶段,未来互联网金融的产品和服务会更加丰富。互联网金融降低了信息不对称造成的交易成本,促进金融脱媒,有利于小微企业和个人融资,有利于储蓄转化为投资,促进经济发展,对银行等传统金融机构产生一定的冲击,同时也为金融市场的进一步拓展带来机遇。互联网金融的发展会影响宏观调控,比如货币政策的效果。某些互联网金融平台演变为影子银行,可能引发局部系统性风险,互联网金融还涉及合法性和投资者保护等问题。建议对互联网金融机构、产品、服务进行适当的监管,以保护金融消费者和投资者的合法利益,同时要进一步完善我国信用体系建设。

Development of Internet Finance and Its Supervision

Internet finance can be regarded as the fruit of the progress of modern information technology in the field such as the Internet,cloud computing and the development of the E-Business.Internet finance,at its initial stage,includes but not limited to services such as Online Finance,Internet Payment and Financial Products.Internet Finance lower the cost of Information Asymmetry and promote the Financial Disintermediation,which is beneficial to the small-scale businesses and individual finance.It also turns savings into investments,which can stimulate the domestic economy.While it brings great opportunities to the financial market,it may compete fiercely with traditional financial institutions.Therefore,it may affect macro-control and regulation.Some Internet Finance Platforms may turn into Shadow Banking,which may give rise to systemic risks and cause problems concerning its legality and investor protection.Therefore,it is highly necessary to further enhance the domestic credit system and conduct moderate supervision on the internet financial institutions,products and services.