摘 要
互联网的迅猛发展给我们的生活生产方式带来了巨大的变革，改变了我们的生存模式。特别是互联网和金融的结合，对我国的经济发展具有重大的意义。互联网和金融的结合以互联网金融这种新的模式出现并存在着，互联网金融从本质上说仍具有金融的一般属性，金融的本质是跨时间空间实现资金融通、重新配置资源。互联网金融作为一种新的支付结算、融通资金的模式并没有改变传统金融的功能，只不过是一种运作模式的改变，打破了传统金融机构的经营模式，注重交互式、个性化、自助化的客户体验，提高了资金融通的效率。互联网金融是金融业的发展一种重要新型模式，然而从目前已有文献来看，对互联网金融进行研究的还是很少，对其系统性研究的更是少之又少。本文立足新视角全面的剖析互联网金融的发展研究，互联网金融对传统金融机构、金融业以及促进经济增长的影响。一方面，互联网金融依托互联网、大数据、云计算等技术延伸和扩展了金融市场的边界，弥补了我国金融领域的空白，使得小微客户和中小企业融资的便捷性增强，互联网金融对我国经济增长具有一定的促进作用。另一方面，互联网金融的出现加速传统金融机构的脱媒，资金供求者信息流和资金流直接对接，互联网金融现实和潜在的风险的集聚危及金融业的稳定性。
论文主体部分共分五部分，第一部分论述互联网金融在我国的发展现状。第五部分主要综述了互联网金融未来发展的理论和实践，对互联网金融的发展趋势进行了合理的预测，使我们对互联网金融有一个感性和理性的认识。论文第二、三、四部分主要围绕互联网金融模式对传统金融机构的影响，互联网金融发展对金融业和促进经济增长的重要意义，以及互联网金融发展不成熟、存在的风险和监管缺失。
互联网金融正在以一种新的方式重构金融市场，使得金融业机遇与挑战并存。互联网金融模式具有高杠杆、涉及面广的特征，使得风险的传播具有广泛性，影响金融业的系统稳定性。目前的互联网金融发展的还是存在一定的缺陷，从事互联网金融的企业参差不齐，技术存在一定的风险漏洞、缺乏有效的监管等，我国互联网金融的发展前景目前不明朗，存在很大的潜在与现实风险。鉴于目前我国互联网金融监管的缺失，本文从经济手段和政策干预等方面提出合理的建议供政府当局和金融监管参考。
本文综合仅有的文献，以新视角对互联网金融进行系统性归纳总结，较全面的分析了这种模式的现状，并对互联网金融的发展趋势进行了大胆的预测，对互联网金融的监管策略提出了具体的设计，一定的程度上弥补了文献的空白。
关键词：
互联网金融，传统金融机构，金融业稳定，经济增长
Abstract
The rapid development of Internet has changed our life a lot in production modeand our survival mode. Especially with the combination of finance, it is of greatsignificance to our country's economic development. Internet finance, as a newfinancial pattern, has the general properties of finance, the nature of finance, financing,configurating resource across space and time. As a new mode of payment settlement,financing, it doesn't break the traditional definition of finance, just change themanagement pattern of traditional financial institutions, pay attention to the customerinteractive, personalized and self-support experience , improve the efficiency of thefinancing.
Internet finance is an important new mode in financial industry. But from theexisting document literature, the study of the Internet finance is few, the systemicstudy is much fewer. Based the comprehensive systemic study of Internet financemodel, we conclude that Internet finance's positive and negative influence to thetraditional financial institutions, finance industry, economy of China.
On the one hand, the Internet finance extends the boundary of financial marketsrelying on Internet, big data and cloud computing, makes up for gaps in the field offinance in China, enhances the financing convenience of the small customers andmedium-sized enterprise. On the other hand, there is some overlap in the traditionalfinancial business and Internet financial institution, breaking the monopoly position inthe field of traditional finance, accelerating financial institutions disintermediation.
This paper is divided into five parts mainly, the first part discusses the Internetdevelopment course and status quo in our country . The fifth part mainly summarizesthe future development of the Internet finance, forecasts the trend of the developmentof the Internet finance reasonably. The second, three, four part in paper compare theInternet finance and the traditional finance differences, the significance of Internetfinancial development to economic growth, and the Internet finance development isnot mature, lack of regulation.
Internet financial is a new way to reconstruct the financial market. Internetfinancial model has highly leveraged, widely involved and risk spread universalitycharacteristics, influencing the system stability of the finance industry. Now Internetfinancial development still exists some shortcomings, Internet financial companyuneven, technology risk of loopholes, etc. The future development of China's Internetfinance prospect is uncertain, there is a big risk of potential and reality. Given thecurrent Internet financial regulation in our country, the paper puts up with reasonablesuggestions for the administration and financial regulatory reference from the aspectsof economic means and policy interventions.
This paper integrates the existing document literature, systematically concludesInternet finance mode, comprehensively analyzes the present situation of this pattern,boldly forecasts the trend of the Internet finance development, makes up the blank ofthe literature to some extent.
Keywords:
Internet Finance, Traditional Financial Institutions, Finance Stability, EconomicGrowth.
目 录
第 1 章 绪论
1.1 选题的背景及意义
1.2 相关文献综述
1.3 研究的思路及方法
1.4 可能的创新及不足
第 2 章 互联网金融的发展现状
2.1 第三方支付
2.2 p2p 网贷
2.3 众筹
2.4 互联网理财
第 3 章 互联网金融对传统金融的影响分析
3.1 传统金融模式的经营理论
3.2 互联网金融模式的经营理论
3.3 互联网金融对传统金融的业务冲击
3.4 互联网金融对传统金融的促进作用
3.5 互联网金融对传统金融的整体影响
第 4 章 互联网金融对金融业和促进经济增长的影响
4.1 互联网金融对金融业的正面影响
4.2 互联网金融对金融业的负面影响
4.3 互联网金融对经济增长的影响的理论分析
4.4 互联网金融对经济增长的影响的实证检验
4.5 计量模型稳健性检验
第 5 章 互联网金融风险与监管
5.1 互联网金融存在的风险
5.2 互联网金融的监管
第 6 章 互联网金融发展前景展望以及政策建议
6.1 互联网金融的发展前景展望
6.2 互联网金融的发展的政策建议
结 论
参考文献
致 谢
