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| 新时代下我国互联网金融发展的现状与问题分析 摘要：进入21世纪，移动信息技术发展迅猛，移动支付、社交网络、移动互联、云计算等新技术的应用，深刻地影响了人们生活工作的方方面面，也同步改变甚至颠覆了社会生产与金融模式。搭乘着互联网的快车，互联网金融在金融一体化的过程中迅速发展而逐渐成为一种新型模式。目前，我国互联网金融还处在蓬勃发展阶段，并因其更强的透明度，更高的参与度、更低的中间成本以及更便捷的使用方式，不断给传统金融领域带来各种挑战和冲击。在此背景下，本文对互联网金融的概念种类、主要特征、发展历程、运营模式等方面进行了深入探究，全面分析了我国互联网金融发展现状及在发展过程中存在的问题。并在结合其他专家学者的研究基础上,提出相应的解决对策以期促进互联网金融健康、稳定的发展，探索我国互联网金融的发展新路径。 关键词：互联网金融；现状；问题；解决方案 Abstract: With the rapid development of mobile information technology in the 21st century, the application of new technologies such as mobile payment, social network,mobile Internet and cloud computing has profoundly affected all aspects of people's life and work, and simultaneously changed or even subverted the social production and financial model. Riding on the express train of the Internet,Internet finance has developed rapidly in the process of financial integration and gradually become a new model. At present, Internet finance in China is still in the stage of vigorous development,and because of its stronger transparency, higher participation,lower intermediate cost and more convenient way of use, it continues to bring a variety of challenges and shocks to the traditional financial field. In this context, this paper makes an in-depth exploration of the concept types,main characteristics, development process and operation mode of Internet finance, and comprehensively analyzes the current situation of the development of Internet finance in China and the problems existing in the process of development. And on the basis of the research of other experts and scholars,this paper puts forward the corresponding countermeasures in order to promote the healthy and stable development of Internet finance and explore the new path of the development of Internet finance in our country.
Key words: Internet finance; current situation; problem; solution |
