摘要
大数据时代背景下,互联网技术的突飞猛进、金融垄断的困境以及民间借贷政策的宽松为互联网金融在中国兴起提供了合适的"土壤",作为有别于传统金融的新模式,其在中国的出现形成了一场新的棋局。在此新局中,互联网金融有不同于传统经济的风险类型——数据获取、技术缺陷、迷信速度、网络安全和权力异化,风险特征也异于传统金融——扩散快、主体脆弱、易交叉传染,而给"当局者迷"带来了困惑,因此破解此迷局时,要结合其风险从交易技术、交易结构、权力契约三个层面理清互联网金融的监管体系,破解这一"迷局"促进互联网金融的进一步健康发展。
Under the background of big data, the great leaps of the Interuet technology, the plights of the financial monopoly and the lax mone-tary policy on private loan provide an appropriate piece of ＂soil＂ for the Internet finance rise in China. As a new finance pattern which is totallydifferent from traditional ones, its appearance formed a new set of chess game. In this new situation, the Internet finance is different from finan-cial risk types in traditional economy-data acquisition, technical defects, superstition speed, network security and power of alienation. There-fore, its risk characteristics are different from traditional finance-faster proliferation, fragile body, easy cross infection, thus bring about confu-sions to insiders. Considering all these factors, when cracking the puzzle, the supervision system should be clarified from three perspectives, in-cluding transaction technology, transaction structure, powers contract. Only in this way, could further healthy development of Internet finance bepromoted.
出处
《当代经济管理》
CSSCI
2014年第8期35-38,共4页
Contemporary Economic Management
基金
西南政法大学经济法学院研究生科研创新计划资助项目<互联网行业滥用市场支配地位的反垄断法规制>(13XZJJF-YJS-02)
关键词
互联网金融
风险
监管层面
Interact finance
risk
regulatory level
作者简介
李丹（1989-），女，四川乐山人，西南政法大学经济法学院，博士研究生，研究方向：经济法。
