互联网金融生态优化战略研究——基于与传统金融生态差异性视角分析  

A Strategic Study on the Optimization of Internet Financial Ecology——Analysis of the Differences from Traditional Financial Ecology

作　　者：陆岷峰[1] 徐阳洋 

机构地区：[1]南京财经大学中国区域金融研究中心,江苏南京210046 [2]上海盈灿商务咨询有限公司,上海200086

出　　处：《河北科技大学学报（社会科学版）》2017年第2期12-18,共7页Journal of Hebei University of Science and Technology:Social Sciences

摘　　要：互联网金融生态主要是互联网技术和互联网思维在金融服务的过程当中,受到信息化浪潮的冲击,从而形成由多个子系统组成的有机整体。金融生态将金融机构和金融消费者作为重要构成,其主体主要是金融机构,轻视消费者。互联网金融生态中消费者处于核心主体地位。金融生态审视的目标主要是传统金融机构,互联网金融生态审视外延更广,包括整个大金融生态体系。金融生态系统主要依靠资金流和资金链进行循环,而互联网金融生态系统的循环则是多流合一。对金融生态的制度监管主要是监管层下发具有强制性的文件,而互联网金融生态秩序主要是自发生成。当前应该积极构造以服务实体经济为导向的互联网金融生态,平衡好各子业态的关系,努力营造以互联网信用数据为基础的信用文化环境,尽快打造以跨界合作为主要形式的生态监管机制,传统金融机构应主动升级业务。Internet financial ecology is mainly Internet technology and Internet thinking in the process of financial services by the impact of the wave of information technology, resulting in a number of subsystems composed of organic whole. The traditional financial and ecological develop-ment depends on the financial institutions of the physical network and supporting facilities, attention to financial institutions and contempt for consumers. In the Internet financial ecology, consumers are at the core of the main position and rely on the Internet and other infrastructure. The goal of financial ecological examination is mainly the traditional financial institutions, the Internet financial ecological extension of a broader extension, including the entire large financial ecological system. Financial eco-systems rely mainly on capital flows and capital chains to circulate, while the internet financial ecosys-tem is the cycle of multi-flow. Institutional regulation of financial ecology is mainly a mandatory docu-ment issued by the regulators, and the Internet financial ecological order is mainly spontaneous gener-ation. At present, we should actively construct the Internet financial ecology oriented to the service economy, balance the relationship between the various sub-forms, and strive to create a credit culture environment based on Internet credit data as soon as possible to create cross-border cooperation as the main form of ecological regulatory mechanism . Traditional financial institutions should take the initia-tive to upgrade their business.

关 键 词：互联网金融生态 金融生态 金融消费者 

分 类 号：F832[经济管理—金融学]