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随着信息技术的飞速发展和经济全球化的进程加速,金融创新活动更为活跃。而互联网金融作为近年来金融创新中诞生的一个新兴业态,也正逐渐发展壮大。互联网金融充分发挥了“公平”的互联网精神和“快速”的信息技术优势,降低了资金供需双方的交易成本,提高了资金融通与配置的效率,展现了普惠金融、平台金融、信息金融、碎片金融等现代金融业前进发展的方向。互联网金融的出现,在填补小微金融等领域空白的同时,也会对现有金融体系尤其是商业银行造成不小的冲击。
With the rapid development of information technology and the acceleration of economic globalization, financial innovation activities have become more active. As an emerging format born of financial innovation in recent years, Internet finance is also gradually developing and expanding. Internet finance gave full play to the “fair” Internet spirit and “fast” information technology advantages, reduced the transaction costs of both supply and demand of funds, and enhanced the efficiency of capital financing and allocation. It demonstrated the benefits of inclusive finance, platform finance , Information finance, fragmented finance and other modern financial industry direction of development. The emergence of Internet finance, while filling the gaps in areas such as small and micro finance, will also exert a considerable impact on the existing financial system, especially commercial banks.