本文關(guān)鍵詞： 互聯(lián)網(wǎng)金融 四個維度 制度創(chuàng)新 演進機理　出處：《中共浙江省委黨校》2014年碩士論文　論文類型：學位論文

【摘要】：互聯(lián)網(wǎng)金融的本質(zhì)是金融,是以互聯(lián)網(wǎng)技術(shù)平臺為支撐,金融業(yè)與互聯(lián)網(wǎng)產(chǎn)業(yè)相結(jié)合,提供跨時空金融服務(wù)的模式。其充分利用互聯(lián)網(wǎng)所具有的信息透明、快速便捷、大數(shù)據(jù)和云計算等技術(shù)手段,有效拓展了金融交易各方的多樣性選擇權(quán),降低了金融交易成本�；ヂ�(lián)網(wǎng)金融業(yè)務(wù)起步于20世紀90年代,21世紀初開始飛速發(fā)展,2013年被稱為“互聯(lián)網(wǎng)金融元年”,互聯(lián)網(wǎng)金融的創(chuàng)新發(fā)展得到了政府部門、學術(shù)界、民眾投融資者的高度矚目。本文首先分析互聯(lián)網(wǎng)金融的演進過程及其階段特征,將其分為三個階段,依次為傳統(tǒng)金融的網(wǎng)絡(luò)化、典型互聯(lián)網(wǎng)金融服務(wù)方式與融資方式、完全的互聯(lián)網(wǎng)金融。認為第三階段還沒真正出現(xiàn),第一階段最早產(chǎn)生,目前仍與第二階段在競相發(fā)展中。其次,通過分析典型案例構(gòu)建分析框架。支付寶是我國目前第三方支付市場中交易規(guī)模最大、交易流程最為人們熟悉的機構(gòu),以第三方信用擔保為起點,拓展至服務(wù)于阿里微貸、互聯(lián)網(wǎng)貨幣基金理財余額寶、獲得網(wǎng)絡(luò)銀行模式的民營銀行試點資格,它的創(chuàng)新與發(fā)展,一定程度上代表了互聯(lián)網(wǎng)金融的發(fā)展歷程及趨勢。通過剖析支付寶的演進路徑,歸納出互聯(lián)網(wǎng)金融演進的關(guān)鍵性影響因素,即制度、市場機構(gòu)、技術(shù)、組織機制,構(gòu)建互聯(lián)網(wǎng)金融的分析框架。認為制度是互聯(lián)網(wǎng)金融永續(xù)穩(wěn)健發(fā)展的保障,是核心因素。市場結(jié)構(gòu)、技術(shù)、組織機制影響互聯(lián)網(wǎng)金融發(fā)展,也誘致金融制度變遷以規(guī)范互聯(lián)網(wǎng)金融和保障其相關(guān)權(quán)益。再次,將互聯(lián)網(wǎng)金融與其四個關(guān)鍵影響因素的相互作用予以事實論證與理論闡述,論證了制度變遷是互聯(lián)網(wǎng)金融永續(xù)健康發(fā)展的制度保障,市場結(jié)構(gòu)對互聯(lián)網(wǎng)金融生存空間起決定性作用,技術(shù)進步是互聯(lián)網(wǎng)金融產(chǎn)生與發(fā)展的誘因與技術(shù)支撐,組織機制的協(xié)同發(fā)展是互聯(lián)網(wǎng)金融發(fā)展的最高境界。最后,本文認為互聯(lián)網(wǎng)金融的創(chuàng)新及其“鯰魚效應(yīng)”有望改變金融體系固疾,更好地服務(wù)實體經(jīng)濟與民生:集物流、資金流、信息流于一體,構(gòu)建社會信用體系;統(tǒng)一不同銀行與實體經(jīng)濟支付接口,形成系統(tǒng)性效應(yīng);打破我國近乎銀行信用為唯一信用的格局,強化直接融資的市場信用地位;互聯(lián)網(wǎng)金融的高滲透率,廣覆蓋率有望突破分業(yè)經(jīng)營體制,實現(xiàn)混業(yè)經(jīng)營與功能監(jiān)管相對應(yīng)的金融體系。本文的創(chuàng)新點在于通過剖析典型案例歸納分析互聯(lián)網(wǎng)金融演進的關(guān)鍵因素,從事實與理論兩方面予以支撐。研究不足之處在于數(shù)據(jù)有限,未能構(gòu)建數(shù)量模型對互聯(lián)網(wǎng)金融的發(fā)展予以實證分析,這也是本文未來研究需努力的方向。
[Abstract]:The essence of Internet finance is finance, which is supported by Internet technology platform, combines financial industry with Internet industry, and provides financial services across time and space. It makes full use of the information transparency, speed and convenience of the Internet. Big data and cloud computing and other technical means have effectively expanded the diversity of options for all parties to financial transactions. The financial transaction cost has been reduced. The Internet financial business started from 1990s to the beginning of the 21st century. In 2013, it was called "the first year of Internet Finance." the innovation and development of Internet Finance has been developed by government departments and academic circles. This paper first analyzes the evolution process and phase characteristics of Internet finance, and divides it into three stages: the traditional financial network, the typical Internet financial service mode and the financing mode. Complete Internet finance... Thinks that the third stage has not really appeared, the first stage has emerged first, and is still competing with the second stage in development. Secondly, By analyzing typical cases, Alipay is the largest and most familiar institution in the third party payment market in our country. It takes third-party credit guarantee as the starting point and extends to serve Ali micro-loan. The Internet Monetary Fund manages money Yu'e Bao, obtains the network bank model private bank pilot qualification, its innovation and the development, has represented the Internet finance development course and the tendency to some extent. This paper sums up the key influencing factors of the evolution of Internet finance, that is, institution, market organization, technology, organization mechanism, and constructs the analytical framework of Internet finance. It is considered that institution is the guarantee of the sustainable and steady development of Internet finance. It is the core factor. Market structure, technology, and organization mechanism affect the development of Internet finance, and also induce financial system changes to regulate Internet finance and protect its related rights and interests. Thirdly, In this paper, the interaction between Internet finance and its four key influencing factors is demonstrated in fact and in theory, and the institutional change is proved to be the institutional guarantee for the sustainable and healthy development of Internet finance. Market structure plays a decisive role in the living space of Internet finance. Technological progress is the inducement and technical support for the emergence and development of Internet finance. The coordinated development of organization mechanism is the highest level of Internet finance development. This paper holds that the innovation of Internet finance and its "catfish effect" are expected to change the financial system and better serve the real economy and people's livelihood. Unifying the payment interface between different banks and the real economy, forming a systematic effect; breaking the pattern of near-bank credit as the only credit in our country, strengthening the market credit position of direct financing; the high penetration of Internet finance, The wide coverage rate is expected to break through the separate operation system and realize the financial system corresponding to the mixed operation and functional supervision. The innovation of this paper lies in the analysis of typical cases and the analysis of the key factors of the evolution of Internet finance. The deficiency of the research is that the data is limited, and the quantitative model can not be constructed to analyze the development of Internet finance empirically, which is the direction of the future research in this paper.
【學位授予單位】：中共浙江省委黨校
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F724.6;F832

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本文編號：1516519