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互联网金融发展在中国经济金融领域备受瞩目,成为学术界讨论研究的热点。本文以互联网金融发展为研究对象,分析互联网金融发展的动因和存在的问题。研究表明:互联网金融的发展是金融创新内因和外因相互作用的结果;互联网金融发展有其独特的理论支撑;互联网金融发展促进了监管制度、金融业务和金融组织机构的创新;阻碍我国互联网金融发展的主要问题有外部监管体系不健全、行业自律有待加强、征信体系不够完善和信息安全面临挑战等问题。促进互联网金融发展必须完善外部监管,加强行业自律,健全征信体系和加强信息安全管理。
The development of internet finance has drawn much attention in the fields of economy and finance in China and has become a hot topic in academic discussion and research. In this paper, the development of Internet finance as the research object, analyze the motivation and existing problems of Internet finance development. The research shows that the development of Internet finance is the result of internal and external interaction of financial innovation. The development of Internet finance has its unique theoretical support. The development of Internet finance promotes the innovation of regulatory system, financial business and financial organization. It hinders the development of Internet finance in China. The main problems include the imperfect external regulatory system, the need for industry self-regulation to be strengthened, the incomplete credit reporting system and the challenges of information security. To promote the development of Internet finance, we must improve external supervision, strengthen self-regulation of the industry, improve credit information system and strengthen information security management.