互联网金融以及P2P融资模式在厦门发展的现状与前景研究
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摘要
该文分别从厦门银行业参与互联网金融业务情况和互联网金融机构及其业务发展两个层面,分析了互联网金融以及P2P融资模式在厦门发展的现状:银行介入互联网金融业务比一般机构更具优势且互联网金融机构与银行等传统金融服务的需求将增加;P2P网贷业务多和小额贷款公司互相渗透经营,资金运作主要为资金池模式和自担保模式;第三方网上支付业务尚属空白;股权众筹平台企业为数不多。在此基础上,该文提出厦门需要发挥本土间接金融优势,促进银企间互联网金融合作,优势互补,实现共赢;鼓励互联网金融企业拓展中小微企业的直接融资渠道和中小投资者的投资渠道;努力推动互联网金融在本辖区实现"四化";出台促进金融互联网企业创新发展的条例,鼓励本土企业抢占先机;采取创新优先,适度监管跟进的发展路径。
This paper analyzes the current situation and prospect of internet finance and P2 P financing mode in Xiamen city from two perspectives,banking industries' involvement in the financial service and internet financing institutions and their business development. The article comes to the conclusion that the banking industry has an advantage over others in financing business compared to other institutions. In terms of the development of the internet financing institutions,P2 P starts late but develops with stability and soundness,and it is often interrelated with small-loan companies. The capital runs in a capital pool mode and self guarantee mode. Third-party online payment business is not yet developed. This article proposes that Xiamen city should make the most of its resources and promote the financial cooperation between banks and enterprises,encourage internet financing enterprises to widen their channels for medium and small enterprises as well as middle and small investors to get financing,promote internet financing to achieve " Four Modernization",map out some regulations and laws for their development,and adopt a development path which prioritizes innovation and with moderate supervision.
This paper analyzes the current situation and prospect of internet finance and P2 P financing mode in Xiamen city from two perspectives,banking industries' involvement in the financial service and internet financing institutions and their business development. The article comes to the conclusion that the banking industry has an advantage over others in financing business compared to other institutions. In terms of the development of the internet financing institutions,P2 P starts late but develops with stability and soundness,and it is often interrelated with small-loan companies. The capital runs in a capital pool mode and self guarantee mode. Third-party online payment business is not yet developed. This article proposes that Xiamen city should make the most of its resources and promote the financial cooperation between banks and enterprises,encourage internet financing enterprises to widen their channels for medium and small enterprises as well as middle and small investors to get financing,promote internet financing to achieve " Four Modernization",map out some regulations and laws for their development,and adopt a development path which prioritizes innovation and with moderate supervision.
引文
[1]谢治春.互联网金融与我国商业银行零售金融业务营销渠道的变革[J].西安电子科技大学学报(社会科学版),2015(6):48-57.
[2]孙艳军.以英美监管为镜鉴构建我国P2P普惠金融监管体系[J].上海金融,2016(3):60-66.
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[8]李鑫,徐唯燊.对当前我国互联网金融若干问题的辨析[J].财经科学,2014(9):1-9.
[2]孙艳军.以英美监管为镜鉴构建我国P2P普惠金融监管体系[J].上海金融,2016(3):60-66.
[3]曾国安,胡斌.互联网金融对商业银行的影响研究[J].经济纵横,2014(12):57-60.
[4]王国刚,张扬.互联网金融之辨析[J].财贸经济,2015(1):5-16.
[5]吴晓求.互联网金融:成长的逻辑[J].财贸经济,2015(2):5-15.
[6]周治翰,王继成,杜晓山.开鑫贷小微金融服务模式[J].中国金融,2014(3):64-65.
[7]谢平,邹传伟,刘海二.互联网金融监管的必要性与核心原则[J].国际金融研究,2014(8):3-9.
[8]李鑫,徐唯燊.对当前我国互联网金融若干问题的辨析[J].财经科学,2014(9):1-9.