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2013年开始,我国的互联网金融业务快速发展并引起热烈讨论。互联网金融不仅具有货币和信用的本质,还具有基于互联网信息处理能力的二次脱媒和数据监测的本质。互联网金融的根本功能是促进资金的融通,互联网金融的发展降低了资本流通时间,加快了资本流通速度;同时也有助于刺激消费,扩大需求。作为新的金融业务,它的发展对政府货币供给的控制、货币政策的有效性以及金融风险的防范等方面带来了挑战。
Since 2013, the internet finance business in our country has developed rapidly and has caused heated discussions. Internet finance not only has the essence of currency and credit, but also has the essence of secondary disintermediation and data monitoring based on Internet information processing capabilities. The fundamental function of Internet finance is to promote the financing of funds. The development of Internet finance reduces the capital circulation time and speeds up the flow of capital. It also helps to stimulate consumption and expand demand. As a new financial business, its development has brought challenges to the control of government money supply, the effectiveness of monetary policy and the prevention of financial risks.