摘要
互联网金融是近两年国内学术界热议的话题之一,但许多与互联网金融有关的问题至今仍存有很大争议。本文在梳理相关研究的基础上,对其中三个争议较大的基本问题给予了深入辨析,以期能够增进各方对于互联网金融的理解。本文认为,互联网金融是指基于大数据的金融;据此定义,可以将互联网金融分为两大类——支付类和脱媒类。展望前景,最有可能出现的是金融专业性与大数据的有效融合,更重要的则是由互联网金融所引发的金融体制改革。
Intemet finance is one of the most discussed topics in the domestic academic circle in the past two years, but many issues related are still controversial now. This paper reviews related literatures on and gives the analysis on three of these issues, in order to promote people＇s understanding on intemet finance. This paper argues that internet finance may be defined as financial services which are based on the big data, and that internet finance could be divided by two classes： payment class and disintermediation class. In the future, intemet fi- nance may be a combination with financial profession and big data, and the financial system would be reformed.
出处
《财经科学》
CSSCI
北大核心
2014年第9期1-9,共9页
Finance & Economics
关键词
互联网金融
大数据
金融改革
Internet Finance
Big Data
Financial Reform
