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支付、信息处理与资源配置是互联网金融发展的基础条件和支柱,互联网金融区别于传统金融的基本特征正是这些基础条件存在方式发生了变化。支付方式、信息处理方式与资源配置方式在实践发展与效用发挥的过程中出现的问题与造成的影响对整个互联网金融发展的影响是最直接最本质的。本文从互联网金融的基础条件现状出发,分析了其在实践中存在的主要问题,从市场参与主体自身素质、企业战略思维、信息安全技术、征信系统与法规制度保障五个方面提出对策建议,以期推动我国互联网金融市场的长期可持续发展。
Payment, information processing and resource allocation are the basic conditions and pillars for the development of Internet finance. The basic characteristics of Internet finance different from traditional finance are precisely the ways in which these basic conditions exist. The most direct and essential impact of the problems and the impacts arising from payment methods, information processing methods and resource allocation methods on the development of the Internet and its effects on the development of the entire Internet finance. Based on the current situation of the basic conditions of internet finance, this article analyzes the main problems in its practice, puts forward countermeasures and suggestions from five aspects of the quality of market participants, the strategic thinking of enterprises, the information security technology, the credit information system and the legal system, With a view to promoting the long-term sustainable development of China’s Internet financial markets.