关于互联网金融发展与金融征信体系建设的思考  

Development of Internet Finance and Construction of Financial Credit Investigation System

作　　者：钟辉[1] 王学武[2] 

机构地区：[1]中国人民银行贵港市中心支行,广西贵港537100 [2]广东财经大学,广东广州510320

出　　处：《上海金融学院学报》2015年第4期32-37,共6页Journal of Shanhai Finance University

摘　　要：互联网金融在"野蛮"增长后逐渐暴露出了一些问题,尤其是股权众筹、P2P等直接融资模式产生的信用违约问题颇受社会关注,给互联网金融的稳定发展造成障碍。本文从业务模式、特点及风险的角度对互联网金融进行介绍,从金融征信体系建设角度为互联网金融的健康稳定发展提供政策建议。After years of ＂barbaric＂ growth, Internet finance has gradually exposed some problems, especially the high-profile credit default of direct financing mode such as Equity-based crowd-funding and P2P, which stand in the way of its stable development. In this article, Internet finance is introduced from its business mode, characters and risks, and policy advice is provided from the perspectives of building financial credit investigation system.

关 键 词：互联网金融 传统金融 征信体系 征信机构 

分 类 号：F832.4[经济管理—金融学]