中国互联网金融研究的方向探寻  

A Research Prospect on the Study of Internet Finance in China

作　　者：惠炜[1] 

机构地区：[1]中国人民大学经济学院,北京100872

出　　处：《西北大学学报（哲学社会科学版）》2015年第4期44-50,共7页Journal of Northwest University：Philosophy and Social Sciences Edition

基　　金：陕西省社会科学基金重点项目(13D037)

摘　　要：运用Meta方法分析2006—2015年间互联网金融的研究状况,发现互联网金融研究主要涉及内涵、特征、构成、征信、风险与监管等方面,其中构成、风险与监管方面的研究较全面深入;而在构成方面多集中在P2P和互联网银行,对互联网理财、互联网支付和众筹融资的关注相对较少;研究方法以定性分析为主,缺乏更有说服力的测度分析、博弈分析和计量分析。因此,互联网金融的未来研究应加强对内涵、特征、征信的探讨,注重对互联网理财、互联网支付和众筹融资的研究,强化计量及数理分析。By taking the research literature of internet financial 2006 -2015 as a sample, this study uses the Meta -analysis method to make a summary about the status of the internet finance in the macro - prospect which includes the connotations, the characteristics, the structure, credit reference, financial risk and finan- cial regulation, and more concentrated in the last two parts. In the micro - prospect the object of the study pays more attention to P2P, bank of internet, while the internet banking, the internet payment and crowd fun- ding draw less. The methods of the study mainly focus on qualitative analysis, which lacks the more convinc- ing methods, such as the econometric analysis, game theory, and even the measurement analysis. Therefore, the future study of the internet finance should be strengthened on three parts. First of all, it should enhance the study of the connotation, the characteristics, the structure and credit reference. What＇ s more, it should pay more attention to the micro aspects of bank of internet, internet banking, internet payment, and crowd funding. Finally, it should strengthen the econometrics and mathematical analysis.

关 键 词：互联网金融 META分析 风险 监管 

分 类 号：F830.2[经济管理—金融学]