互联网金融对现代金融中介理论的挑战——兼论对金融民主化的影响  

The Challenge of The Modern Financial Intermediary Theory Brought by Internet Finance——The Influence on Financial Democracy

作　　者：王念[1] 戴冠 王海军[1] 

机构地区：[1]中央财经大学经济学院,北京100081 [2]中国石油总公司财务资产部,北京100081

出　　处：《产业经济评论》2016年第1期71-77,共7页Review of Industrial Economics

摘　　要：以云计算、第三方支付、社交网络、移动技术为技术基础的互联网金融,打破了我国传统金融行业的垄断和惰性,提高了资源配置效率。从本质上讲,互联网金融活动借助互联网技术手段实现的一系列创新实践活动,是金融与互联网的跨界交融与整合。从理论上讲,互联网金融颠覆了传统金融的理论基础,尤其是挑战了现代金融中介理论的两大基石——"信息不对称"与"交易费用",极大地降低了信息不对称和交易成本。从未来发展趋势上看,互联网金融对于中国金融民主化、内生金融、普惠金融的发展将产生巨大影响。Based on cloud computing, third-party transaction, social network and mobile technology, internet finance break the monopoly of traditional financial system and improved the financial market efficiency. Essentially speaking, internet finance is a combination of serious of internet technology based financial innovation. Theoretically, internet finance overturn the modern financial theories, especially ＂Information Asymmetry＂ and ＂Transaction Cost＂ and reduce the transactional cost to a large extend. In the tendency, internet finance will have big impact on financial democracy, endogenous finance and inclusive finance in China.

关 键 词：互联网金融 交易成本 信息不对称 金融民主化 

分 类 号：F832[经济管理—金融学]