互联网金融支付体系的破坏性创新  

The Disruptive Innovation in Internet Financial Payment Systems

作　　者：刘秀光[1] 

机构地区：[1]广东白云学院国际经济与贸易系,广东广州510450

出　　处：《五邑大学学报（社会科学版）》2014年第4期55-59,91,共5页Journal of Wuyi University(Social Sciences Edition)

基　　金：国家社会科学基金项目"我国价格水平变化的规律及治理对策"(批准号:12XJY023);广东省哲学社会科学规划项目"中小型商业企业信用风险评价及预警管理"(批准号:GD13XGL21)的部分成果

摘　　要：互联网金融是借助于互联网技术实现资金融通、支付和信用中介等业务的金融模式。互联网金融对支付体系的破坏性创新,突出表现在互联网金融支付体系的运行效率、货币形态的改变、"无现金的社会"的显现以及影子银行的发展。对待互联网金融支付体系,既要鼓励创新又要完善监管。As a mixture of traditional finance and internet,internet finance is a finance mode supported by internet technology to realize such services as fund accommodation,payment and credit intermediary services. The disruptive innovation made by internet finance to traditional payment systems is characterized by the operating efficiency of internet financial payment systems,the change of the forms of currency,emergence of'non- cash- society'and the development of shadow banks. The internet financial payment systems need both encouragement and ever- improving supervision.

关 键 词：传统金融 互联网金融 支付体系 破坏性创新 

分 类 号：F832.39[经济管理—金融学]