南方金融

近年来,我国互联网金融快速发展,引起社会各界的广泛关注。本文对互联网金融的主要形式及特点进行了概述,从金融消费方式、金融竞争模式、金融服务供给、货币政策、金融信息安全、反洗钱等六个方面分析了互联网金融对传统金融机构和金融监管的影响,并对欧美等主要国家互联网金融监管实践进行比较,在此基础上提出规范完善我国互联网金融监管的政策建议。

In recent years, the rapid development of China's internet banking have caused widespread concern in public. This paper focuses on the main forms of internet banking, and six aspects of internet banking characteristics, including: financial consumption, financial competition, financial service supply, monetary policy, financial information security, and anti-money laundering. Based on the analyses above, this paper discusses the impact of the internet banking on the traditional financial institutions and financial regulations. Besides, this paper also do a comparative analysis of European and American countries. Finally, it proposes several policy recommendations to improve the regulations of internet banking service.