摘要
选取2006—2015年间数据,构建包括5个层次、17项指标的互联网金融发展影响因素指标体系并进行实证分析。结果表明:第一,2006—2015年互联网金融发展水平总体处于上升趋势,个别年份出现下滑,且发展速度加快;第二,从各影响因素看,互联网金融发展影响程度最大的是金融活动因素,近年网民特征因素影响程度后来居上;第三,从各衡量指标看,互联网金融近年从政策红利中获得巨大收益,网络购物成为互联网金融发展新的增长极。为此,政府及企业要加大传统金融和互联网金融的创新融合;促进互联网金融与相关消费产业的良性互动;在进一步规范互联网金融的同时,继续发挥政策红利的作用。
Selecting the data from 2006 to 2015,an index system of influencing factors of Internet finance development is constructed which includes five levels and 17 indicators and an empirical analysis is carried out.It demonstrates that:first,from 2006 to 2015,the overall development level of Internet finance is on an upward trend,with declines in individual years at faster developing speeds;second,judging from various influencing factors,the most influential factor of Internet finance development is financial activities,with the factor of netizen characteristics gaining weight in recent years;third,judging from measurements,Internet finance has benefited greatly from policy dividends in recent years and online shopping has become a new growth pole for the development of Internet finance.Thus,the government and enterprises should enhance the innovative integration of traditional finance and Internet finance,promote the virtuous interaction between Internet finance and relevant consumption industries,and continue to play the role of policy dividends while further standardize Internet finance.
作者
李欣
何如海
Li Xin;He Ruhai
出处
《常州大学学报（社会科学版）》
2018年第2期75-81,共7页
Journal of Changzhou University:Social Science Edition
基金
安徽省国土资源厅软科学资助项目"安徽省城镇低效利用土地二次开发利用政策研究"(2013008)
安徽省国土资源科技资助项目"安徽省土地整治项目绩效评价研究"(2015-k-15)
关键词
互联网金融
网民特征
金融发展指数
Internet finance
netizen characteristics
finance development index
