互联网金融：模式、风险与监管

Abstract:The so-called ‘internet finance’ has recently has five business models in China，application of internet technologies of traditional financial business，payment and settlement based on internet，peer to peer loans，crowd founding through internet and fictitious money respectively. The internet finance has little influence on the related financial segments，the banking sector and the financial system as a whole recently and in the near future in China. However，its impacts on the banking system might be very essential in the long term. The internet finance，as a technical extension，an innovation of service model and a procedure update of traditional finance business，has not changed the nature of the financial system. As a financial innovation，the internet finance improves the efficiency of finance system while also has particular risks. The internet finance will not lead to systemic risks but might cause the interconnectedness problem. The supervision and regulation on the internet finance should combine inclusion and effectiveness and establish a comprehensive framework includes inclusive development approaches and effective regulation methods.

收起