中介视角下互联网金融发展及对传统金融机构的挑战分析  

Analysis of Internet Finance and Its Challenges to Traditional Financial Institutions from the Perspective of Intermediaries

作　　者：王振 熊德平[1] Wang Zhen;Xiong Deping

机构地区：[1]云南财经大学金融学院,云南昆明650221

出　　处：《科技广场》2020年第6期21-27,共7页Science Mosaic

基　　金：国家自然科学基金面上项目“中国农村普惠金融发展的市场竞争机制、生成条件与政策创新——基于金融市场竞争溢出效应和门槛效应及其影响因素的实证”(项目批准号:71873118)。

摘　　要：本文基于金融中介理论,从金融机构的中介本质出发,分析了互联网金融中介平台的优势;其次依据网络效应理论,分析了互联网金融企业多种中介服务平台之间的关系及对金融业务的促进作用,据此揭示了传统金融中介机构在金融业务本身及多种中介业务协同两个维度上的不利地位,并对传统金融机构提出针对性的应对建议。Based on the Theory of Financial Intermediation and the intermediary nature of financial institutions,this article analyzes the advantages of Internet financial intermediaries,followed by an analysis of the relationship between various intermediary service platforms of Internet financial enterprises and their contributions to better financial services based on the Network Effect Theory.It then explains the disadvantages of traditional financial intermediaries in the financial business itself and the coordination of multiple business intermediaries,and provides corresponding suggestions on how banks should respond.

关 键 词：金融中介理论 网络效应 互联网金融 银行 

分 类 号：F830[经济管理—金融学]