The Macroeconomic Impact of Internet Finance  

作　　者：Hongyi Wang 

机构地区：[1]Loyola High School of Los Angeles,Los Angeles,CA 90006,United States of America

出　　处：《Proceedings of Business and Economic Studies》2024年第3期166-172,共7页商业经济研究（百图）

摘　　要：This paper investigates the macroeconomic impacts of Internet finance,highlighting its advantages and challenges.Internet finance,a fusion of Internet technology with traditional financial practices,introduces innovative models for global asset management,capital financing,payments,investments,and intermediary services.While it enhances the accessibility and efficiency of financial services,it also introduces new risks,such as higher credit default rates.This study explores how Internet finance contributes to financial inclusivity and macroeconomic growth yet poses potential threats to traditional financial stability.The dual aspects of Internet finance are analyzed:its application in existing processes and its capacity to generate novel business models.Furthermore,the paper proposes strategic responses to mitigate the negative impacts of Internet finance,mainly focusing on risk management and regulatory improvements to safeguard economic stability.

关 键 词：Internet finance MACROECONOMICS Credit default risk 

分 类 号：TP3[自动化与计算机技术—计算机科学与技术]