为消费而创新——兼论互联网金融的风险与监管

发布时间：2018-02-02 16:13

本文关键词： 消费市场互联网金融互联网金融风险金融监管　出处：《武汉金融》2017年03期 　论文类型：期刊论文

【摘要】：以消费为驱动是当前经济转型持续发展的新动力,传统的消费方式带来了高昂的时间成本和鞋底成本,互联网金融的兴起和发展成为了刺激消费市场的变革性力量。本文利用2005-2015年间互联网金融市场宏观大数据,对互联网金融内生性风险与消费市场扩大的关系进行了实证检验。研究结果显示,新的消费模式的出现显著增加了居民的消费意愿,除了传统金融固有的风险,互联网金融面临着更多的风险,其中信用风险、最后贷款人风险、法律风险和货币政策风险在1%的水平下显著影响着互联网金融市场,因此,走科学加强互联网金融监管之路势在必行。
[Abstract]:Taking consumption as the driving force is the new driving force for the sustainable development of the current economic transformation. The traditional consumption mode has brought high time cost and sole cost. The rise and development of Internet finance has become a transformative force to stimulate the consumer market. This paper empirically tests the relationship between the endogenous risks of Internet finance and the expansion of consumer market. The results show that the emergence of new consumption patterns has significantly increased the consumption willingness of residents, in addition to the risks inherent in traditional finance. Internet finance is facing more risks, including credit risk, lender of last resort risk, legal risk and monetary policy risk, which significantly affect the Internet financial market at the level of 1%. It is imperative to strengthen the Internet financial supervision scientifically.
【作者单位】：综合开发研究院(中国·深圳);
【分类号】：F832.1;F724.6
【正文快照】： 一、问题的提出近10年来,互联网金融在我国迅猛发展,年均消费成长率超过15%。而相对于传统消费市场,吕冰洋和毛捷(2014)研究认为高投资和低消费是中国经济运行的典型现象,创新消费方式才是提振内需市场的动力。互联网金融是一种全新业态,以其创新而带来的便捷化,极大地刺激了

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