中国互联网金融中的金融排斥

发布时间：2018-03-06 03:23

  本文选题：互联网金融　切入点：普惠金融　出处：《当代财经》2017年10期 　论文类型：期刊论文

【摘要】：互联网金融突破了传统金融体系的卡特尔式垄断,缓解了中小微企业的融资难问题;互联网金融突破了空间和物理约束,增加了农村居民获得平等金融服务的机会。然而,具有普惠特质的互联网金融活动,也存在着信贷排斥和价格排斥。年轻无职业的男性被排斥在网络信贷之外的概率较高,信贷排斥存在自增强趋势且与价格排斥相伴而生。互联网技术自身无法根除金融排斥,还需要制度的配合。因此,应积极推动政策性金融、合作金融与互联网金融的融合,并通过加强平台自律、完善征信体系、强化信息披露等,促进互联网金融的健康发展。
[Abstract]:Internet finance has broken through cartel monopolies in traditional financial systems and alleviated the financing difficulties of small and medium-sized enterprises. Internet finance has broken through space and physical constraints and increased rural residents' access to equal financial services. There is also credit exclusion and price exclusion in Internet financial activities with inclusive characteristics. Young, unemployed men are more likely to be excluded from online credit. Credit exclusion has the trend of self-reinforcement and comes along with price exclusion. Internet technology itself can not eradicate financial exclusion, but also needs the cooperation of institutions. Therefore, we should actively promote the integration of policy finance, cooperative finance and Internet finance. It also promotes the healthy development of Internet finance by strengthening platform self-discipline, perfecting credit system and strengthening information disclosure.
【作者单位】： 吉林大学经济学院;东北证券股份有限公司;
【基金】：教育部人文社会科学重点研究基地重大项目“中国国有金融改革服务实体经济发展研究”(16JJD790018) 吉林省教育厅资助项目“互联网金融的风险防控机制研究”(2016447) 吉林大学青年学术领袖培育计划项目“互联网金融的模式、风险与应对策略”(2015FRLX07)
【分类号】：F724.6;F832
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本文编号：1573132