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近来,互联网金融成为社会广泛关注和热议的话题,因立场和视角不同,观点纷呈。笔者认为,互联网金融实质上是互联网技术与金融服务的结合,其金融服务的基本功能和基本方式目前与传统金融并没有实质性区别。金融监管模式有必要进一步实现机构监管向功能监管转型,以更好地规范和促进互联网金融的持续健康发展。
Recently, Internet finance has become a topic of widespread concern and hot discussion in the community. Views vary from different positions and perspectives. The author believes that Internet finance is essentially a combination of Internet technology and financial services. The basic functions and basic methods of financial services are not substantially different from those of traditional finance. It is necessary to further realize the transition from institutional supervision to functional regulation in order to better regulate and promote the sustained and healthy development of Internet finance.