论文部分内容阅读
最近十部委发表了一个对于促进互联网金融健康发展的指导意见,这个指导意见一出,在社会上引起了巨大的反响。有的人说,这是互联网金融的春天到来了,因为我们有了规则可依。但是也有人说,这是对互联网金融的压抑,没有办法发展了。到底是春天还是压抑,我想最关键的问题是监管理念的转变和监管边界的确定,是对监管理念和监管边界的理解与执行。我想这是指导意见出来以后,到底是春天还是压抑很关键的一点。互联网信息技术在金融中的运用,不会改变金融的本质,但足它会改变传统金融的服务方式,也会拓宽自金融的范围。
Recently, ten ministries and commissions published a guideline on promoting the healthy development of Internet finance. This guiding principle has aroused great repercussions in the society. Some people say that this is the spring of Internet finance, because we have the rules to follow. However, some people say that this is a repression of Internet finance and there is no way to develop it. In the end is spring or depression, I think the most crucial issue is the change of regulatory philosophy and regulatory boundaries to determine, is the understanding of regulatory concepts and regulatory boundaries and implementation. I think this is the guiding opinion came out, in the end is the spring or repression is the key point. The application of Internet information technology in finance will not change the essence of finance, but it will change the service mode of traditional finance and broaden the scope of finance.