亚洲免费av电影一区二区三区,日韩爱爱视频,51精品视频一区二区三区,91视频爱爱,日韩欧美在线播放视频,中文字幕少妇AV,亚洲电影中文字幕,久久久久亚洲av成人网址,久久综合视频网站,国产在线不卡免费播放

        ?

        An Analysis on Internet Financial Supervision in China

        2019-11-13 21:19:05苗雷北京工商大學(xué)嘉華學(xué)院101118
        新生代 2019年14期
        關(guān)鍵詞:北京工商大學(xué)嘉華學(xué)院

        苗雷 北京工商大學(xué)嘉華學(xué)院 101118

        The development of China's Internet finance is much shorter than that of developed economies such as the US and Europe. Up to now, China's Internet finance can be roughly divided into three stages: the first stage is the internalisation stage of the traditional financial industry in the year; the second stage is the stage of the third-party payment booming around the year; The three stages are the stage of development of the substantive financial business of the Internet since the beginning of the year. In the process of Internet financial development, domestic Internet finance presents a variety of business models and operational mechanisms.

        I. Impact of Internet Finance on China's Financial System

        (I) Internet Financial Business Models in Related Areas

        The impact of Internet business models in related fields is relatively limited, and the impact of Internet money funds on cross-border issues is more obvious.

        In the traditional Internet business of Internet, Internet technology is more supportive, upgraded, integrated, and complementary, rather than a substitute. The integration of Internet technology and traditional financial services and the information service of traditional financial services are basically the foundation for the development of traditional finance, which is conducive to the sustainable development of traditional finance and the maintenance of competitiveness. Internet finance is still a perfection of traditional finance. supplement.The traditional financial business relies on Internet technology to realize the innovative development of financial business.It is also an important way to promote the development of traditional finance. However, some innovative businesses have an alternative or a cross-border impact on traditional finance,which has a certain impact on traditional finance. Such as the balance treasure.

        (II) The impact of Internet Finance on the Banking Sector

        Internet finance has a limited direct impact on the banking sector, but the long-term potential impact will be more profound. Internet finance, as a typical representative of financial disintermediation, will result in a certain degree of change in payment and liquidation, capital flows, financial products and market structure. The most direct impact will be on the traditional financial sector, especially the banking sector.In the short term, as China is still a bank-led financial system,the direct impact of Internet finance is generally small, but in the long run, Internet finance may have a profound impact on the banking sector.

        First, third-party payments not only affect the bank's service channels, but can ultimately compete directly with banks in credit creation and financing services. The vigorous development of third-party payment makes the channels of deposit, loan, remittance and other services diversified. It is a competitor of the payment settlement system. At the same time,third-party payment will gradually penetrate into the subjective and substantive financial services, and will be in credit creation and financing services. Such areas compete with banks and so on.

        Secondly, the banking industry faces the dual impact of the "capital" disintermediation of the financial system and the "technical" disintermediation of the Internet. With the continuous advancement of China's interest rate marketization and the development of Internet finance, the Chinese banking industry is facing the double impact of the "capital"disintermediation of the financial system, such as shadow banking, and the "technical" disintermediation of Internet finance, and the Internet. Development and popularization have amplified the impact of financial disintermediation.

        II. Suggestions for Internet Finance Development and Supervision

        (1) Inter-network Financial Supervision Encourages Development and Risk Prevention

        First, the financial supervision of the Internet should be based on the principle of inclusive, encouraging, and standardizing the long-term sustainable development of the Internet, and encouraging development and risk prevention.First, "inclusiveness, encouragement, guidance, and regulation"are the basic principles of Internet financial regulation. Internetwork financial regulation should be inclusive. Second, it is true that "time, professional, and effective" supervision,prevention of systemic and regional risks. Third, strictly guard against the generalization of financial supervision of the Internet, classify and supervise according to the Internet financial business model, and clearly define the regulatory body,regulatory targets and supervision scope of Internet finance,and distinguish the applicability of the principled supervision and restrictive supervision to the different business models of Internet finance.

        (2) Establish and Improve the Internet Financial Regulatory Framework

        The second is to establish and improve the financial supervision framework for the Internet. First, at the national level, the system of financial supervision of the Internet is established, which clarifies the framework, principles, objectives and overall measures of the Internet financial supervision.Second, based on the current pattern of separate supervision and institutional supervision, the relevant departmental responsibilities should be clearly defined, and relevant departments should issue targeted regulations or regulations for Internet financial supervision. Third, establish an inter-network financial supervision coordination mechanism, pay attention to functional supervision and comprehensive supervision,especially the coordination of the Bank and the Ministry of Industry and Information Technology. Fourth, strengthen the off-site supervision and coordination of information technology and establish effective risk monitoring, early warning and emergency response mechanisms.

        猜你喜歡
        北京工商大學(xué)嘉華學(xué)院
        A Young Pianist
        初等教育學(xué)院
        北京工商大學(xué)傳媒與設(shè)計(jì)學(xué)院作品選登
        第四代嘉華
        Research on Internet Finance Development
        新生代(2019年14期)2019-11-13 21:19:05
        Study on Local Financial Supervision Right and Regulation Countermeasures
        新生代(2019年14期)2019-11-13 21:19:05
        Research on Internet Finance Development
        學(xué)院掠影
        起亞嘉華車(chē)左前門(mén)無(wú)法正常解鎖
        獨(dú)立學(xué)院高等數(shù)學(xué)教學(xué)改革思考
        河南科技(2014年16期)2014-02-27 14:13:45
        国产国产裸模裸模私拍视频| 亚洲av乱码国产精品色| 最新国产成人自拍视频| 国产一级二级三级在线观看av| 中文字幕人妻第一区| 欧美老妇与禽交| 国产成人一区二区三区影院免费| 国产女主播福利在线观看| 亚洲中文字幕无码爆乳app| 无码av免费精品一区二区三区| 久久无码高潮喷水免费看| 激情视频在线观看免费播放| 日本免费大片一区二区| 免费少妇a级毛片人成网| 亚洲熟妇无码久久精品疯| 性感人妻中文字幕在线| 中国亚洲一区二区视频| 日本乱偷人妻中文字幕在线| 亚洲AV永久无码精品导航| 日韩激情av不卡在线| 亚洲成a∨人片在线观看无码| 日本少妇被黑人xxxxx| 亚洲精品美女自拍偷拍| 国产精品高清视亚洲一区二区| 最新国产毛2卡3卡4卡| 国产精品香蕉在线观看| 日本女优在线观看一区二区三区| 久久一道精品一区三区| 亚洲欧美一区二区三区在线| 精品一区二区av天堂| 久久精品伊人久久精品伊人| 亚洲日韩精品一区二区三区无码| av人摸人人人澡人人超碰小说| 国产在线观看网址不卡一区| 国产精品对白一区二区三区| 中文字幕一区二区人妻性色| 亚洲国产精品悠悠久久琪琪| 三级网站亚洲三级一区| 人人摸人人搞人人透| 国产亚洲一本大道中文在线| 久久精品亚洲熟女九色|