中国互联网金融生态足迹、承载力及效率的测算与评价研究  

A Study of the Measurement and Evaluation of the Ecological Footprint, the Capacity and the Efficiency of the Internet Finance in China

作　　者：陆岷峰[1] 葛和平[2] 

机构地区：[1]南京财经大学中国区域研究中心,江苏南京210005 [2]南京信息工程大学欧美再工业化战略研究中心,江苏南京210044

出　　处：《管理学刊》2018年第1期22-32,共11页Journal of Management

基　　金：江苏省互联网金融协会项目(FRB2017006)

摘　　要：以2012—2016年间统计数据为研究基础,应用生态足迹分析法对互联网金融总体、互联网金融每亿用户、互联网金融7类新业态的生态足迹、生态承载力、生态盈亏状况以及生态效率从时间上进行动态研究。结果表明:我国互联网金融总体生态足迹、每亿用户生态足迹在迅速增长,生态承载力在迅速提高;互联网支付、互联网基金、互联网信托每亿用户处于生态盈余状态,而P2P网贷、众筹、互联网保险以及互联网消费每亿用户处于生态赤字状态;互联网支付、互联网基金以及互联网信托每亿用户生态环境的压力是不可承受的,而P2P网贷、众筹、互联网保险以及互联网消费每亿用户生态环境的压力是可以承受的;我国互联网金融总体及互联网金融7类新业态的生态效率均呈现不断下降的变化趋势。因此,应当在相关互联网金融发展制度的引导下,加大对互联网金融生态补偿力度,扩大互联网金融生态产品交易规模,增加互联网金融生态产品交易频次,实现互联网金融生态盈余和供需均衡,进而优化互联网金融生态环境。This paper makes a dynamic study of the ecological footprint, the capacity and the efficiency respectively of the general internet finance, per 100 million users and the 7 new businesses of the internet finance chronologically with the ecological footprint analysis based on the statistical data from 2012 to 2016. The study shows the general ecological footprint and the ecological footprint of per 100 million users of the internet finance and its capacity increase rapidly; the internet payment, internet funds and internet trust per100 million users demonstrate a state of ecological surplus, while, the P2P lending, crowdfunding, internet insurance and internet consumption per 100 million users demonstrate a state of ecological deficit; the ecological environment of the intcrnet payment, internet funds and internet trast per 100 million users is unbearable, while the one of the P2P lending, crowdfunding, internet insurance and internet consumption per 100 million users is bearable; The ecological efficiencies of the general interuet finance and the 7new businesses of the internet finance both tend to decrease. Therefore, the government should increase the ecological compensation to the internet finance, enlarge the trade scale of the ecological products of the internet finance and increase the trading frequency of the ecological products of the internet finance under the guide of the relevant internet financial development institutions so as to realize the ecological surplus and balance of the supply and demand and further to improve the ecological environment of the internet finance.

关 键 词：互联网金融 生态足迹 生态承载力 生态效率 

分 类 号：F832.9[经济管理—金融学]