我国互联网金融发展的问题与对策  

Problems and Countermeasures of the Development of Internet Finance in China

作　　者：姚珊珊[1] 滕建州[1] 王元[1] 

机构地区：[1]东北师范大学经济学院,吉林长春130117

出　　处：《税务与经济》2017年第2期25-29,共5页Taxation and Economy

摘　　要：作为我国金融体系的有益补充,互联网金融的发展促进了金融模式的创新,为金融市场注入了强大的活力。互联网金融为客户提供更为方便、快捷的金融服务,有效地缓解了金融排斥,降低了信息不对称,对我国推进利率市场化、推动普惠金融发展具有重要意义。同时,互联网金融也存在监管缺失、风险防控缺位、缺乏完善的征信系统和信用评估机制等问题,并对传统金融业务造成了一定的冲击,削弱了传统金融业的主导地位。需要从完善风险管理、促进业务创新、加强与传统金融机构的交流合作等方面采取有效对策,促进我国互联网金融行业的健康发展。As a useful complement to China＇s financial system, the development of Internet finance has promoted the innovation of financial mode, and injected great vitality into the financial market. Internet finance provides more convenient and fast financial services for customers, effectively alleviates financial exclusion and reduces information asymmetry, which is of great significance for China to promote interest rate marketization and the de- velopment of inclusive finance. However, there are some problems such as the lack of supervision, the lack of risk prevention and control, imperfect credit system and credit evaluation mechanism, which influence the tradi- tional financial business and weaken the dominant position of traditional financial industry. Therefore, it is vital to take effective measures in terms of improving the risk management, promoting business innovation and strengthening exchange and cooperation between the traditional financial institutions and internet financial institu- tions in an effort to promote the healthy development of China＇s Internet financial industry.

关 键 词：互联网金融 传统金融机构 金融脱媒 金融创新 

分 类 号：F830.39[经济管理—金融学]