互联网金融对我国金融发展的影响与启示--以P2P信贷为例.doc

文档介绍：
互联网金融对我国金融发展的影响与启示
——以 P2P 信贷为例
贾洪文,李志鹏*
5
10
15
20
25
30
35
40
(兰州大学经济学院,兰州 730000)
摘要:我国投融资环境的变化和互联网行业的发展催生了互联网金融,以 P2P 为代表的民
间借贷形式折射出传统银行业在金融服务中的缺位,满足我国投资者和融资者的资金需求需
要多样化的融资渠道和金融基础设施的完善。本文以 P2P 网络信贷为对象,研究了国内外 P2P
的发展现状以及对我国金融发展的影响与启示,提出完善金融基础设施建设、发展多种金融
中介、促进金融脱媒化的政策建议。
关键词:互联网金融;P2P 信贷;金融发展
中图分类号:
Finance’s Impact and Enlightenment on Chinese
Financial Development ——Take P2P Credit for Example
JIA Hongwen, LI Zhipeng
(Ecnomic School,Lanzhou University,Lanzhou 730000)
Abstract: Development of the investment environment and the industry in China has spawned
finance. As an example of private lending models, P2P credit model reflects the absence of
traditional banks in financial services. To meet the financial needs of investors and financiers, we need
diversify the sources of financing and to improve financial paper concertrates on
P2P credit, by analyzing the development status of P2P credit both in China and foreign countries as
well as its influence and inspiration to our country's finance development,this paper give suggestions as
to improve and perfect financial infrastructure construction,to develop various of financial
intermediation and to promote financial disintermediation.
Key words: finance, P2P credit platform, finances development
0 引言
余额宝在年轻网民中的成功范例表明相对于传统银行来说,互联网金融在成本收益、便
捷程度等方面拥有更多的优势。自 2013