互联网金融对宏观经济的影响  

Impact of Internet Finance on Macro- economy

作　　者：李炳[1] 赵阳[2] 

机构地区：[1]华中科技大学经济学院 [2]中国人民银行武汉分行

出　　处：《财经科学》2014年第8期21-28,共8页Finance & Economics

摘　　要：本文以互联网金融为研究对象,分析了互联网金融对宏观经济的促进作用以及对金融稳定的冲击。研究表明,互联网金融一方面通过提高资金配置效率、提升金融系统基本功能来促进经济增长,同时,互联网金融也会通过创新对宏观经济带来新的风险。因此,监管机构应明确互联网金融企业的性质,依据互联网金融企业在市场中行使的功能而采取不同的监管策略。The paper takes intemet finance as its research object, analyzing the impact of intemet finance on macro- economic development and banging financial stability. The research shows that the intemet finance promotes economic growth by improving the effeciency of capital allocation and enhancing the basic function of financial system. Meanwhile, the innovation in the intemet finance also brsic new risks to macro-economy. Therdore, regulators shall make clear of the property of intemet financial enterprises and adopt different regulation strategies based on the functions of intemet financial enterprises in the market.

关 键 词：互联网金融 宏观经济 金融创新 金融稳定 

分 类 号：F49[经济管理—产业经济] F832F124