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近年来,随着互联网及移动通信等现代信息技术的发展,以网络银行、互联网支付、电商金融、P2P网络借贷、众筹融资等为代表的互联网金融蓬勃发展。2013年我国互联网金融得到迅猛发展,被称为“互联网金融元年”。随着时间的推移以及我国互联网产业的迅速发展,互联网金融对传统金融业的影响也越来越大,互联网金融已经发展成一种新型业态,在整个金融生态系统中占据了重要位置。由此,互联网金融也受到了政府高层、金融管理部门、专家学者、业界及社会大众的广泛关注。为促进互联网金融健康、有序地发展,2014年3月5日,国务院总理李克强在作《政府工作报告》中指出,“要促进互联网金融健康发展,完善金融监管协调机制。”这是互联网金融首次进入政府工作报告,这标志着中国政府也越来越重视互联网金融业的监管与发展了。
In recent years, with the development of modern information technologies such as the Internet and mobile communications, Internet finance represented by Internet banking, Internet payment, e-commerce finance, P2P network lending and crowdfunding financing has been booming. In 2013, China’s internet finance developed rapidly, which is called “the first year of internet finance”. With the passage of time and the rapid development of Internet industry in our country, the impact of Internet finance on the traditional financial industry is also growing. Internet finance has developed into a new format and occupies an important position in the entire financial ecosystem. As a result, Internet finance has also been widely concerned by senior government officials, financial management departments, experts and scholars, the industry and the general public. To promote the healthy and orderly development of Internet finance, on March 5, 2014, Premier Li Keqiang pointed out in his “Report on the Work of the Government,” that “we should promote the healthy development of Internet finance and improve the coordination mechanism for financial regulation.” This is Internet finance first entered the government work report, which indicates that the Chinese government has also paid increasing attention to the regulation and development of the Internet finance industry.