新时代视域下共享金融的发展与展望
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摘要
共享金融是一种颇具发展前景的金融新业态。它为实现金融普惠性,破解社会主要矛盾,构建人类命运共同体提供助力机制。目前共享金融发展受到服务平台割裂、信用机制缺失和监管体系不完善等制约。在新时代视域下,我国应坚定不移地贯彻"共享"新发展理念,打造统一的共享金融服务平台,健全高效的共享金融信用体系,构建平衡的共享金融监管机制,以打造可持续发展的共享金融生态圈。
Sharing finance is a new financial format with promising prospects. It provides a mechanism for the realization of financial inclusion, the main contradiction of the society, and the construction of a community of human destiny.At present, the development of sharing finance is constrained by the fragmentation of service platforms, the lack of credit mechanisms and the imperfect supervision system.Under the perspective of the new era, China should unswervingly implement the "sharing" new development concept, build a unified sharing financial service platform, improve the efficient credit system and establish a balanced supervision mechanism of sharing finance to create sustainable sharing financial ecosystem.
Sharing finance is a new financial format with promising prospects. It provides a mechanism for the realization of financial inclusion, the main contradiction of the society, and the construction of a community of human destiny.At present, the development of sharing finance is constrained by the fragmentation of service platforms, the lack of credit mechanisms and the imperfect supervision system.Under the perspective of the new era, China should unswervingly implement the "sharing" new development concept, build a unified sharing financial service platform, improve the efficient credit system and establish a balanced supervision mechanism of sharing finance to create sustainable sharing financial ecosystem.
引文
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[2]黄益平,王海明,沈艳,黄卓.互联网金融12讲[M].北京:中国人民大学出版社,2016.
[3]姚余栋.共享金融:大变革时代金融理论有了突破点[N].上海证券报,2015-09-08(009).
[4]习近平.决胜全面建成小康社会夺取新时代中国特色社会主义伟大胜利:在中国共产党第十九次全国代表大会上的报告[M].北京:人民出版社,2017.
[5]杨涛.共享金融呈现五大发展路径[N].中国经济时报,2015-10-08(005).
[6]姚余栋,杨涛.共享金融:金融新业态[M].北京:中信出版社,2016.
[7]Felson M, Spaeth J L. Community Structure and Collaborative Consumption:A Routine Activity Approach[J]. American Behavioral Scientist, 1978, 21(4):23.
[8]李佳颖.共享经济的内涵、模式及创新监管的对策[J].经济体制改革,2017(6):27-31.
[9]卢晓平.央行金融研究所所长姚余栋:共享金融的典型形式是P2P和互联网众筹[N].上海证券报,2015-09-23.
[10]郑联盛.中国互联网金融:模式、影响、本质与风险[J].国际经济评论,2014(5):103-118+6.
[11]李博,董亮.互联网金融的模式与发展[J].中国金融,2013(10):19-21.
[12]姚余栋.共享金融是实现普惠金融的可靠路径[EB/OL]. 2015-11-28. http://finance.sina.com.cn/money/bank/bank_hydt/20151128/104323878007.shtml.
[13]姚余栋.共享金融的典型形式是P2P和互联网众筹[N].上海证券报,2015-09-23.
[14]Mollick E R. The Dynamics of Crowdfunding:Determinants of Success and Failure[J]. SSRN Electronic Journal, 2013, 29(1).
[15]卢馨,李慧敏. P2P网络借贷的运行模式与风险管控[J].改革,2015(2):60-68.
[16]宋华,陈思洁.供应链金融的演进与互联网供应链金融:一个理论框架[J].中国人民大学学报,2016,30(5):95-104.
[17]姚余栋.区块链:从数字货币到信用社会[M].北京:中信出版社,2016.
[18]中国电子商务研究中心.浅析:众筹模式非法集资的界定[EB/OL]. http://b2b.toocle.com/detail--6166101.html.
[19]杨东,刘磊.论我国股权众筹监管的困局与出路:以《证券法》修改为背景[J].中国政法大学学报,2015(3):51-60+158.
[20]He D, Habermeier K, Leckow R, et al. Virtual Currencies and Beyond:Initial Considerations[J]. Financial Regulation Research, 2016, 16(3):1.
[21]陈华,边玉晶.共享金融:优势、存在问题及优化建议[J].农村金融研究,2016(9):41-45.
[22]杨涛.以共享金融应对发展困境[J].农村金融研究,2016(5):7-11.