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在中国,互联网金融的创新和发展正积极地改变整个金融生态,加剧金融市场竞争,改善资本配置的效率并使资本流动空前加速,也有力地推动利率市场化与金融监管模式变革以及银行业的开放。如何正视互联网金融的发展,探索互联网渗透和介入金融体系的方式及其效应,从而趋利避害,让互联网金融为中国金融体系的革新服务,为中国企业和居民提供更为便利的融资和投资需求服务,这些都需要社会各界尤其是金融界人士深思。
In China, the innovation and development of Internet finance is actively changing the entire financial ecosystem, exacerbating competition in the financial market, improving the efficiency of capital allocation and accelerating capital flow at an all-time high level, and effectively promoting the marketization of interest rates and the reform of the financial regulatory system as well as banking open. How to Face the Development of Internet Finance, Explore the Ways and Effects of Internet Penetration and Intervention in the Financial System so as to Benefit from Avoidance and Allow Internet Finance to Serve the Innovation of China’s Financial System and Provide More Convenient Financing and Investment for Chinese Enterprises and Residents Demand for services, these all need the community especially the financial community to think deeply.