共享经济时代互联网金融新商业模式探析

发布时间：2018-06-29 05:48

本文选题：共享经济 + 互联网金融　；参考：《天津行政学院学报》2017年03期

【摘要】：互联网金融是互联网企业借助现代信息技术对传统金融行业进行渗透和重塑所形成的新型金融业态,其核心理念在于共享和普惠。共享经济作为互联网时代的新型经济发展形式,是互联网金融向垂直和纵深发展的重要趋势。我国互联网金融模式已初步形成京东、淘宝和追梦网三足鼎立的局面,但仍存在法律体系不健全、监管机制不完善以及企业进入与退出机制不成熟等诸多问题。立足国家宏观监管与内部微观管理,加快互联网金融法律建设,完善互联网金融监管机制,建立企业内部风控机制,施行政府线下审核双保险机制势在必行。
[Abstract]:Internet finance is a new financial form which is formed by Internet enterprises infiltrating and reinventing the traditional financial industry with the help of modern information technology. The core idea of Internet finance is to share and make full use of it. As a new form of economic development in the Internet era, sharing economy is an important trend of the vertical and deep development of Internet finance. China's Internet financial model has initially formed the situation of JingDong, Taobao and trinity, but there are still many problems, such as imperfect legal system, imperfect supervision mechanism, immature entry and exit mechanism of enterprises and so on. It is imperative to quicken the legal construction of Internet finance, perfect the mechanism of Internet financial supervision, set up the internal wind control mechanism of enterprises and carry out the double insurance mechanism under the government line based on the national macro-supervision and internal micro-management.
【作者单位】：西南民族大学;
【分类号】：F724.6;F832

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