中美互联网金融发展比较

发布时间：2018-05-13 16:19

本文选题：互联网金融 + 中美国际比较　；参考：《经济论坛》2015年03期

【摘要】：随着互联网技术的进步,特别是大数据、云计算、搜索引擎的发展,许多传统产业受到了颠覆性的影响,而金融是受其影响最为深远的几大产业之一。在美国,互联网金融是一种发展得高度成熟、监管和相关制度比较严格的金融产业,它充分满足了客户的各种需求并实现了产品多样化。在中国,互联网金融正处于起步初期,并在一定程度上弥补了传统金融产业的缺陷,比如银行的垄断所造成的资源配置不当。但其在总体发展过程显得不受控制且发展模式较为混乱。故有必要对中国与美国的互联网金融差异进行比较,找出其成因,从而确保我国互联网金融稳健发展。
[Abstract]:With the progress of Internet technology, especially large data, cloud computing, and the development of search engines, many traditional industries have been affected by the subversive influence, and finance is one of the most far-reaching industries. In the United States, Internet finance is a highly developed financial industry with high maturity and strict regulation and related systems. In China, the Internet finance is in the early beginning, and to a certain extent, it has made up the defects of the traditional financial industry, such as the improper allocation of resources caused by the monopoly of the bank, but it is uncontrolled in the overall development process and the development model is more chaotic. It is necessary to compare the differences of Internet finance between China and the United States and find out the causes, so as to ensure the steady development of Internet Finance in China.

【作者单位】：山东财经大学财政税务学院;
【基金】：山东省金融产业优化与区域发展管理协同创新中心重点项目“鲁港金融合作促进山东区域经济协调发展研究”(14AWTJ01-3-1) 协同创新中心重大委托项目“金融产业优化对山东省重点区域发展战略实现的支撑策略研究”(14AWTJ01-3) 山东自然科学基金青年项目“市场模糊修正与随机赔偿评估下的存款保险定价研究”(ZR2014GQ014) 山东省软科学研究计划项目“优化山东创新驱动金融环境对策研究:科技金融融合视角”(2014RKB01557) 山东省政府绩效评价软科学研究基地的资助
【分类号】：F832;F49;F837.12

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