摘要
互联网票据理财实现了理财资金与实体经济的直接对接,能够有效缓解小微企业票据融资难题,借助大数据、云计算等技术又可以降低融资企业的信息搜索成本和投融资双方的信息不对称程度,同时对投资者也具有较强的吸引力,在风险可控情况下具有一定发展前景。对互联网票据理财,应完善相关法律制度,营造良好的法制环境,要创造开放、公平的监管环境,注重引导其理性健康发展,需加强平台企业合规经营和风险控制,形成良好的经营氛围。此外要加强银行和平台参与方的合作,共同促进互联网票据理财的规范发展。
Wealth management backed by Internet bills has great prospect with advantages of realizing the direct connect of fund and real economy, effective relieving the bill financing problems of small enterprises, as well as cutting down the searching cost and information asymmetry of both investors and financiers with the help of big data and cloud computing. To better develop wealth management backed by Internet bills, perfect law system should be firstly ensured, then open and fair regulations are needed, and lastly risk control of enterprises and the cooperation between banks and enterprise should be strengthened.
出处
《上海金融学院学报》
2015年第3期65-73,共9页
Journal of Shanhai Finance University
关键词
互联网金融
金融脱媒
票据
金融理财
Internet finance
financial disintermediation
bills
wealth management
