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作为普惠金融和金融市场化的重要创新领域,互联网金融通过技术平台的资金汇集、信息分享、信用塑造和价格发现等功能,为小额投融资需求开辟了一条便捷高效的路径,降低了投融资者的准入门槛与交易成本,让更多小微初创企业和普通金融消费者的投融资需求得以满足,极大促进了金融业的市场竞争和资源优化配置。经过六年宽监管环境下的野蛮发展,中国的互联网金融行业涌现出了一批优秀的企业,行业乱象也逐渐凸显,监管力度不断增强。
As an important innovation field of inclusive finance and financial marketization, Internet finance opens up a convenient and efficient path for the needs of small-sum investment and financing by means of capital pooling, information sharing, credit shaping and price discovery of the technology platform, thus reducing investment The access thresholds and transaction costs for financiers have enabled more small and micro startups and ordinary financial consumers to meet their investment and financing needs and greatly promoted market competition and optimal allocation of resources in the financial industry. After six years of brutal development in a broad regulatory environment, a number of outstanding enterprises have emerged in China’s Internet finance industry. As a result, chaos in the industry has also gradually become prominent, and supervision and regulation have been continuously strengthened.