【摘要】 互联网技术进步催生了新型金融商业模式。互联网金融具有效率、公平、广泛参与的经济学价值。互联网金融的信息不对称、非竞争性、金融机构之间的交织复杂性、参与者的良莠不齐等因素的存在,使其风险的负外部性增强。金融创新与金融监管的矛盾更为剧烈、凸显传统金融监管的滞后性。法治化金融监管的重点应转变为提升技术含量、分业监管上的加强合作、建立多层次的监管立法体系、加强行业自律、建设开放的征信系统。更多还原

【Abstract】 Internet technology has spawned a new financial business model.Internet financing has the economic value of being efficient,equitable,and participatory.The feature of internet financing,such as information asymmetry,noncompetitiveness,the interwoven complexities between financial institutions,and the uneven quality of participants,enhanced the risk of its negative externalization.Thus the conflict between financial innovation and monitoring becomes dramatic,highlighting the hysteresis of traditional financial supervision.The emphasis of legalized financial supervision should be turned to increasing the percentage of technology,cooperation between divisions,enhancement of self-regulation,and the construction of open credit-collecting system.更多还原