中国互联网金融：模式、影响、本质与风险

     【摘要】目前国内存在传统金融业务互联网化、互联网支付清算、互联网信用业务以及网络货币等四大业务模式。互联网金融目前在各自业务领域的影响整体较小，对银行部门影响短期有限长期可能较为深远，对金融体系整体影响是综合性的但目前极为有限。互联网金融没有改变金融的本质，是传统金融通过互联网技术在理念、思维、流程及业务等方面的延伸、升级与创新。互联网金融风险具有两面性，目前不会引发系统性风险，主要风险环节在于强化了风险的内在关联性。互联网金融监管应具有包容性和有效性融合，建立较为完善的互联网金融监管和发展框架。
    The so-called ‘internet finance’ recently has four business models, application of internet technologies of traditional financial business, payment and settlement based on internet, credit intermediation through internet and fictitious money respectively. The internet finance has little influence on the related financial segments, the banking sector and the financial system as a whole recently and in the near future in China. However, its impacts on the banking system might be very essential in the long term. The internet finance, as a technical extension, an innovation of service model and a procedure update of traditional finance business, has not changed the nature of the financial system. As a financial innovation, the internet finance improves the efficiency of finance system while also has particular risks. The internet finance will not lead to systemic risks but might cause the interconnectedness problem. The supervision and regulation on the internet finance should combine inclusion and effectiveness and establish a comprehensive framework includes inclusive development approaches and effective regulation methods.
    【关键词】互联网金融 传统金融 金融监管 金融风险
    Internet Finance; Traditional Finance; Financial Regulation; Risks