互联网金融发展的国际比较研究

互联网金融的发展源于互联网技术的产业化,欧美发达国家受创新驱动,走在互联网金融发展的前列,但审慎的监管政策和传统金融信息化的发展,使得欧美国家互联网金融行业发展更加趋于理性化,目前近乎处于成熟状态。新兴发展中国家的互联网金融在巨大金融需求的拉动下,近年来得到迅速的发展,但监管政策的滞后和缺失使互联网金融风险事件频发,政府开始加大监管力度。互联网金融的发展增大了传统金融部门的竞争压力,但同时也促进了传统金融的改革和创新化发展。

Development of Internet Finance: An International Comparison

Internet finance derived from the civil application of the Internet technology. Driven by innovation, America and some European countries have always led the trend, while the prudential regulations as well as the advancement of traditional finance accelerate the maturity of Internet finance. As for some emerging developing countries, great demand for finance encouraged the boom of Internet finance. However, the lack of supervision and regulations incurred some financial risks, making government pay more attention to it. Internet finance is definitely not an alternative to traditional finance although it increased the competition of finance industry because it forced the traditional finance to reform and informative in the Era of Internet.