我国互联网金融可持续发展研究——基于PEST分析法  

Research on Sustainable Development of Internet Finance——Based on PEST analysis

作　　者：张童莲 华立庚[2] 黎文娟[3] 

机构地区：[1]安徽财经大学金融学院,安徽蚌埠233000 [2]东北大学工商管理学院,沈阳110004 [3]安徽财经大学文学与传媒学院,安徽蚌埠233000

出　　处：《嘉应学院学报》2015年第1期38-42,共5页Journal of Jiaying University

基　　金：安徽省大学生创新创业训练计划项目(AH201410378320)

摘　　要：互联网金融作为异于传统金融的一种正在迅猛发展的金融模式,已经受到社会各方关注。互联网金融以其独特的发展方式以及运营模式已经对传统金融业形成冲击,并在一定程度上受到传统金融业的抵制。因此,基于互联网金融发展的现状,运用PEST分析法,从政治(Political)、经济(Economic)、社会(Social)、技术(Technological)四个方面深入分析当前互联网金融发展模式以及未来发展趋势,再结合必要的数据对互联网金融的可持续性发展做实证探究;然后针对互联网金融发展的一些局限性,分别从风险、准入制度、金融创新、资金循环以及政策支持等方面提出相应的政策建议以供企业和政府参考。As a rapid development mode of the finance,the Internet finance is different from the traditional financial pattern,which has been received more attention. Internet finance,as a unique approach to development and operational impact on the traditional model has been resisted by the traditional financial to some extent. Therefore,based on the present situation of Internet finance,this article uses the method of PEST（ including Political、Economic、Social、Technological） to analyse the current Internet model of financial development and trends of future,then combine with the necessary data on the financial sustainability of the Internet to do empirical inquiry,aiming at some of the limitations of financial development of the Internet,from risk,access system,financial innovation,capital circulation and policy support etc. If finaly puts forward the corresponding policy recommendations for enterprises and government.

关 键 词：互联网金融 金融脱媒 PEST分析 电商金融 

分 类 号：F832.3[经济管理—金融学]