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当高层开始对金融业改革进行顶层设计的几乎同时,本来几乎完全属于草根行业的互联网业开始大规模地向金融业渗透。金融与互联网的关系,日益由技术角度上的金融业互联网化,迅速向市场角度上的金融的互联网业化发展。可以说,金融业的改革同时获得了最关键的主观条件和客观条件,已成不可逆之势。可以认为,金融业将和互联网业一起成为推动经济创新和各类资本创业热情的双轮!但双轮驱动下的改革与经济运行,对于中国经济的管理层来说,显然比推动独轮车前行需要更高超的驾驭能力。中国的互联网业和金融业的监管部门,将面临前所未有的监管创新压力。这首先要求我们尽快积累和掌握互联网金融的发展趋势和基本规律。因此,与以往专题的文章基本来自学术领域不同,本期专题的文章更多是业内人士的观点和心得。也许,从理论上他们的高度和系统性尚有许多不足,但互联网金融作为一个新生且尚在急速发展变化中的事物,对它的认知首先需要来自实践中的世界。一切都在路上,而且大部分才刚刚上路!
At a time when top-level government began to top-level reform of the financial sector, the Internet industry, which had almost completely belonged to the grassroots sector, started to penetrate the financial industry on a large scale. The relationship between finance and the Internet is increasingly interconnected by the financial industry in a technical perspective and the rapid development of the financial Internet industry in the market. It can be said that the reform of the financial industry has simultaneously obtained the most crucial subjective and objective conditions and has become an irreversible trend. It can be considered that the financial industry and the Internet industry will be the two rounds of promoting economic innovation and the enthusiasm of various types of capital entrepreneurship. However, under the dual-drive reform and economic operation, it is obviously more effective for the Chinese economy in management than promoting the unicycle Need superb control. China’s Internet industry and financial regulators, will face an unprecedented regulatory pressure on innovation. This first requires that we accumulate and grasp the development trend and basic rules of Internet finance as soon as possible. Therefore, the article with the previous topic basically comes from different academic fields, and articles of this issue are more people’s opinions and experiences. Perhaps, in theory, there are still many deficiencies in their height and systematicness. However, as a newly emerging and still rapidly evolving thing, Internet finance first needs to come from the world in practice. Everything is on the road, and most are just on the road!