我国互联网金融企业的发展困境及对策  

Research on Development Predicament of Internet Financial Enterprises in China and the Countermeasures

作　　者：刘媛媛[1] 胡敏华[1] 

机构地区：[1]安徽财经大学工商管理学院,安徽蚌埠233055

出　　处：《长春大学学报》2015年第1期37-41,共5页Journal of Changchun University

摘　　要：互联网金融在推动我国金融业创新的同时,也对传统金融业造成了巨大的冲击。目前我国互联网金融企业面临制度监管缺位、传统金融压力、技术安全隐患、征信系统不完善以及金融创新不足等现实困境。因此,应尽快明确金融主体、建立信息共享机制、建立互联网金融安全制度、创新互联网金融盈利模式等,以促进互联网金融企业的健康发展。Internet finance promotes financial industry＇s innovation in China, at the same time, causes a great impact on the traditional financial industry. The existing internet financial enterprises of our country face many dilemmas, for example, the lack of system super-vision, traditional financial pressure, hidden danger of technical security, unperfected credit system, insufficient financial innovation and so on. Therefore, measures should be taken such as clarifying financial subjects, establishing an information sharing mechanism, establishing internet financial security system, innovating internet financial profit mode as soon as possible, in order to promote the healthy development of internet financial enterprises.

关 键 词：互联网金融 金融创新 发展历程 安全制度 盈利模式 

分 类 号：F830[经济管理—金融学]