摘要
发展普惠金融是我国金融体系改革的重要方向之一,然而其发展始终受限于我国原有的金融业格局,互联网金融的蓬勃发展为构建我国普惠金融体系带来了新的契机。本文首先对互联网金融与普惠金融的内在耦合性进行了分析;在此基础上,进一步总结梳理了我国互联网金融在发展过程中出现的种种与普惠金融相悖的现象,如目标偏移、金融排斥、成本高企等;最终提出需要从大数据的利用、金融创新、边界界定等方面引导互联网金融走向普惠金融之路。
The development of inclusive finance is one of the important direction of financial system reform in China, however, its development has always been restricted to our current financial structure. The rapid development of Internet finance has brought new opportunities for the construction of our inclusive financial system. In this paper, we first analyze the natural coupling of the Intemet financial and inclusive finance. We further summarizes the violation phenomenon of Internet fmance and inclusive finance, such as target deviation, fmancial exclusion, high cost, etc. This requires efforts from the use of big data, financial innovation, boundary definition and other aspects, to lead the way of Intemet fmance to inclusive finance.
出处
《财经科学》
CSSCI
北大核心
2015年第6期1-10,共10页
Finance & Economics
基金
广东省哲学社会科学"十二五"规划项目青年项目"我国网络微贷的目标偏移
模式异化及风险研究"(项目编号:GD14YYJ03)
广东省自然科学基金博士科研启动项目"我国P2P网络贷款的可得性与风险性--基于投资者感知风险偏差的研究"(项目编号:2014A030310428)
广东省普通高校人文社科研究项目"互联网金融模式及其风险监管研究"(项目编号:2014GWXM017)
关键词
互联网金融
普惠金融
金融服务
模式创新
Internet Finance
Traditional Finance
Financial Service
Mode Innovation
