【摘要】：當(dāng)前互聯(lián)網(wǎng)金融發(fā)展對傳統(tǒng)金融業(yè)務(wù)與市場形成強烈沖擊,但其顛覆、規(guī)范、監(jiān)管等問題也引發(fā)了業(yè)界與理論研究的重視。本文通過對互聯(lián)網(wǎng)金融創(chuàng)新、開放、普惠、民主等特殊性以及金融本質(zhì)、風(fēng)險、監(jiān)管等一般性的分析,認(rèn)為互聯(lián)網(wǎng)金融的本質(zhì)仍然是金融,監(jiān)管當(dāng)局應(yīng)當(dāng)根據(jù)互聯(lián)網(wǎng)金融模式的功能不同而采取相應(yīng)的監(jiān)管方式。
[Abstract]:The current development of Internet finance has a strong impact on the traditional financial business and market, but its subversion, standardization, supervision and other issues have also aroused the attention of the industry and theoretical research. Based on the general analysis of Internet financial innovation, openness, inclusiveness, democracy, and the nature of finance, risk and supervision, this paper holds that the essence of Internet finance is still finance. The regulatory authority should adopt the corresponding supervision method according to the function of internet finance model.
【作者單位】： 合肥工業(yè)大學(xué)管理學(xué)院;安徽財經(jīng)大學(xué)商學(xué)院;
【基金】：國家自然科學(xué)青年項目“面向交易和服務(wù)過程的民營中小銀行經(jīng)營模式及相關(guān)政策研究”(71403001) 安徽財經(jīng)大學(xué)校級科研項目“商業(yè)銀行公司治理與社會責(zé)任研究”(ACKY1439)階段性成果
【分類號】：F724.6;F832
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本文編號：2348090