互联网金融对开发性金融影响机理研究  

On the Effecting Mechanism of Internet Financing on Development Financing

作　　者：王建军[1] 周晓唯[1] 刘昱[2] 

机构地区：[1]陕西师范大学国际商学院,陕西西安710062 [2]西安邮电大学计划财务处,陕西西安710062

出　　处：《井冈山大学学报（社会科学版）》2014年第4期96-103,128,共9页Journal of Jinggangshan University(Social Sciences)

基　　金：教育部人文社科研究项目"中国证券市场机构投资者异象作用机理及其实证研究"(项目编号:08JC630064);陕西省教育厅科研项目"新兴资源城市低碳化转型的战略框架与路径研究"(项目编号:11JK0117)

摘　　要：互联网金融是基于互联网技术,在传统金融基础上通过改变资本流通渠道进而改变定价是来优化配置资本这一稀缺资源,达到对现有资本配置渠道和体系的改变,客观实现社会资本帕累托改进,使互联网内生于金融体系,对金融的发展产生深远的影响,因此,对开发性金融结合互联网金融发展建议如下:积极利用互联网,创新资金筹措渠道,降低筹资成本;进一步加强和互联网合作,促进开发性金融支持民生业务发展。Internet financing is financing based on internet technology. With financing, it changes its capital flow channels and pricing mechanism for optimal acceptance of traditional allocation of capital which is scarce resource, and hence transforms the existing channels and systems of capital allocation. It realizes Pareto Optimality of social capitals and embeds internet in financing system. The embedding will profoundly effect the development of financing industry. It is therefor proposed for development financing industry to incorporate internet financing in following ways： one is to actively utilize the internet for innovative channels of fund raising and raising cost reduction; the other is to enhance cooperation with internet industry for promoting the business of people＇s livelihood-support financing.

关 键 词：互联网金融 开发性金融 影响机理 

分 类 号：F124[经济管理—世界经济]