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2014年,国务院总理李克强第一次在政府工作报告中提及“互联网金融”这一概念,在2015年的政府报告中,又用“异军突起”盛赞互联网金融,并明确表态要求“促进互联网金融健康的发展”。2016年两会政府工作报告再次强调,要规范发展互联网金融,大力发展普惠金融和绿色金融。在带来便捷和效率、推动普惠金融落地的同时,互联网金融也对金融体系的稳定运行和健康发展带来了挑战。因此,应强化监管,防范风险,促进我国互联网金融健康发展,切实提高金融服务的普惠性。本文梳理了互联网金融推动普惠金融发展的最新进展,分析了互联网金融发展中存在的问题,并对促进我国互联网金融继续健康发展提出了建议。
In 2014, Li Keqiang, premier of the State Council, mentioned for the first time in his government work report the concept of “Internet finance”. In his 2015 government report, he also praised Internet finance with “sudden emergence” and stated clearly that “ ”To promote the healthy development of Internet finance ". In 2016, the report on the work of the two governments once again emphasized that we should standardize the development of Internet finance and vigorously develop inclusive finance and green finance. While bringing convenience and efficiency to the promotion of inclusive finance, Internet finance has also posed challenges to the stable operation and healthy development of the financial system. Therefore, we should strengthen supervision and prevent risks, promote the healthy development of Internet finance in our country and earnestly improve the inclusiveness of financial services. This paper reviews the latest progress of internet finance in promoting the development of inclusive finance, analyzes the problems in the development of internet finance, and puts forward some suggestions to promote the healthy and healthy development of internet finance in our country.