金融科技背景下互联网消费金融研究综述:基本理论框架  

The Survey of Internet Consumer Finance Research in the Context ofFinancial Technology:Basic Theoretical Framework

作　　者：程雪军 Cheng Xuejun

机构地区：[1]同济大学法学院 [2]同济大学经济法治研究中心

出　　处：《兰州学刊》2023年第5期56-74,共19页

基　　金：上海市哲学社会科学规划课题“金融科技公司算法风险的系统治理研究”(项目编号:2022EFX001);同济大学理论创新项目“乡村振兴战略下绿色金融法治体系研究”(项目编号:4040142319/013);上海市法学会项目“经济全球化背景下我国数字货币安全的综合监管制度建设研究”(项目编号:2022SNSL03)。

摘　　要：大数据与人工智能等信息技术推动了金融科技的异军突起,并促进了消费金融行业的转型升级,即从传统消费金融向互联网消费金融优化升级。通过采用文献归纳、问卷调查、数据分析等方法,发现互联网消费金融基本遵循“发展动因—发展模式—风险形成—监督管理”的理论逻辑。互联网消费金融在内在动因(供给、需求端)与外在动因(技术、政策端)驱动下而快速发展,并在双边市场理论下形成消费金融机构互联网化与互联网机构消费金融化的发展模式。然而,互联网消费金融在创新发展中同样形成了诸多风险,包括法律政策风险居高不下、社会征信体系发展不足、消费者权益保护不力、流动性风险高企等,因此需要对互联网消费金融实施有效的金融监管,重构金融科技背景下互联网消费金融发展路径:全面完善互联网消费金融的法律治理体系,加强金融科技监管以保护消费者合法权益,健全社会征信体系旨在强化信用风险防范,有条件开放融资渠道从而缓解流动性风险。Information technologies such as big data and artificial intelligence have promoted the rapid development of financial technology and driven the transformation and upgrading of the consumer finance industry,optimizing and upgrading from traditional consumer finance to Internet consumer finance.Through literature review,questionnaire survey,data analysis,and other methods,it is found that Internet consumer finance follows the theoretical logic of“development motivation-development model-risk formation-supervision and management.”Internet consumer finance has developed rapidly,driven by internal motivations(supply and demand)and external motivations(technology and policy).Based on the bilateral market theory,it has formed a development model of Internalization of consumer financial institutions and consumer finance of internet institutions.However,in the innovative development of Internet consumer finance,there are also many risks,including high legal and policy risks,insufficient social credit reference system development,inadequate protection of consumer rights and interests,and increased liquidity risks.Therefore,it is necessary to implement adequate financial supervision of Internet consumer finance and reconstruct the development path of Internet consumer finance in the context of financial technology:comprehensively improving the legal governance system for Internet consumer finance,strengthening financial technology supervision to protect the legitimate rights and interests of consumers,and improving the social credit reference system to enhance credit risk prevention,conditionally opening financing channels to alleviate liquidity risks.

关 键 词：金融科技 理论框架 互联网消费金融 金融发展 监督管理 

分 类 号：F832.5[经济管理—金融学] D922.28[政治法律—经济法学]