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浅析互联网金融对我国实体经济发展的影响

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实体经济在其发展的过程中存在着高成本、高融资等问题,而传统金融又缺乏对实体经济的支撑能力.2013 年,在"资金短缺"背景下,余额宝的问世将"互联网金融"带入了大家的视线.此后,一些新的业务模式,比如P2P、消费金融等迅速发展起来.网络金融作为一种新的金融形式,在与移动互联网的完美结合下,在实体经济中得到了越来越多的应用,并对实体经济的发展起到了很大的推动作用.但是,由于缺乏有效的金融和互联网产业协调监管机制,互联网金融在为实体经济服务的同时面临着一些全新的问题.基于此,文章讨论了互联网金融对实体经济发展的影响,并在此基础上提出了相应的政策建议.
Analysis on the Impact of Internet Finance on the Development of China's Real Economy
In the development process of the real economy,there are problems such as high cost and high financing.However,traditional finance lacks the ability to support the real economy.In 2013,against the backdrop of the shortage of funds,the launch of Yu'ebao brought"internet finance"into the public.Subsequently,some new business models,such as P2P and consumer finance,rapidly developed.As a new form of finance,online finance has been increasingly applied in the real economy and has played a significant role in promoting the real economy combined with mobile internet.However,due to the lack of effective coordination and supervision mechanisms between finance and the internet industry,internet finance has also encountered some new problems while serving the real economy.Based on this,the paper discusses the impact of internet finance on the development of the real economy and proposes corresponding policy recommendations.

internet financedevelopment of the real economyinfluence

刘耘廷

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北京天亿共创国际科技中心,北京 100020

互联网金融 实体经济发展 影响

2024

商业观察

商业观察

ISSN:
年,卷(期):2024.10(7)
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