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互联网金融自2013年以来发展迅猛,被认为是我国金融改革及构建多层次资本市场的重要动因。经过一段时间的爆发式增长,2015年部分风险逐渐积聚与暴露。其中的“e租宝”事件,成为全球受害者人数最多的庞氏骗局。鉴此,自去年年底,监管政策陆续出台。促进互联网金融行业健康和可持续发展,已成为迫在眉睫的重要课题。互联网技术的核心价值在于去中心化,解决信息不对称,而金融的核心在于风险管控;因此,如何推动金融供给侧利用互联网技术减少信息不对称并驱动风险定价、降低成本,就成为互联网金融长远发展的基石。基于此,共建共享互联网金融生态,遵循基本的商业逻辑,促进理性有序的公平竞争,推动产业良性发展,承担社会责任,还利于生态中的产业、小微企业、消费者等,从而真正实现普惠金融,应该是新常态下金融新格局行稳致远的重要实践方向。
The rapid development of Internet finance since 2013 is considered as an important motivation for China’s financial reform and the construction of a multi-level capital market. After a period of explosive growth, some of the risks gradually accumulated and exposed in 2015. One of the “e-rent” event, becoming the world’s largest number of victims Ponzi scheme. In view of this, since the end of last year, regulatory policies have been introduced. Promoting the healthy and sustainable development of the Internet finance industry has become an urgent and important issue. The core value of Internet technology is to decentralize and solve information asymmetry, and the core of finance lies in risk control. Therefore, how to promote the financial supply side to use Internet technology to reduce information asymmetry and drive risk pricing and reduce costs has become a long- The cornerstone of development. Based on this, we will jointly build and share the financial ecology of the Internet, follow basic business logic, promote rational and orderly fair competition, promote healthy development of industries, assume social responsibilities, and benefit eco-industries, small and micro enterprises, and consumers, and thus genuinely To achieve inclusive finance should be an important practical direction for resolving the new financial landscape under the new normal.