北京邮电大学学报(社科版) ›› 2016, Vol. 18 ›› Issue (4): 43-50.

• 互联网治理与法律 • 上一篇    下一篇

信息空间、互联网金融与监管

  

  1. 1太原工业学院 经济与管理系,太原030008;2 北京邮电大学 经济管理学院,北京100086
  • 收稿日期:2016-03-21 出版日期:2016-08-31
  • 基金资助:

    教育部哲学社会科学后期资助项目(13JHQ041);山西哲学规划办课题 (山西资源转型与山西多层次资本市场构建)

Information Space, Internet Finance and Government Regulation

  1. 1 Department of Economics and Management, Taiyuan Institute of Technology, Taiyuan 030008, China;
    2 School of Economics and Management, Beijing University of Posts and Telecommunications,
    Beijing 100876, China
  • Received:2016-03-21 Online:2016-08-31

摘要:

互联网金融发展迅速,但同时存在问题,例如信息泄露、流动性不足、违约频发、 P2P大量跑路或提现困难等。与传统金融相比,互联网金融既具有传统金融的特点,又具备新时代互联网的特性。运用信息空间理论研究互联网金融,由演化生产函数和信息空间三个维度分析其发展框架,提出互联网金融的信息空间,研究发现互联网金融具有阶段性、融合发展性以及互联网金融数据与信息在信息空间的流动性特点,由此针对性地提出对互联网金融监管建议:需要进行综合监管和阶段性监管;现阶段主要加强大数据和信息化建设、征信建设和网络实名的阶段性监管建议。

关键词:  , 信息空间, 互联网金融, 监管, 互联网征信

Abstract:

Internet finance has developed rapidly, but also exposed some problems, such as information leakage, low liquidity, frequent breach of contract, P2P “run away” and etc Compared with the traditional finance, Internet finance has the feature of the universality in traditional finance, but also has the particularity of the Internet in the new era The information space theory is applied to study the Internet finance, which is analyzed from three dimensions of evolution production function and information space The information space of Internet finance is put forward, and the characteristics of the Internet financial presentation stage, data flowing in information space and Internet financial integration development are discovered Thus it is suggested that the comprehensive supervision and periodical supervision should be carried out which means completing the fundamental structure of Internet finance in the early stage while completing the regulatory law in the mature stage At present, the construction of big data and informatization, Internet credit and real-name network should be strengthened

Key words: information space, Internet finance, government regulation, Internet credit

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