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近年来我国互联网金融事业发展迅速,市场反应十分热烈,传统金融机构如商业银行、信托与租赁公司等加快自身互联网方向服务的步伐,新兴的互联网企业及其背后的集团也大举进入金融领域,如阿里巴巴和京东等,甚至一些资质并不优良的小公司和皮包公司也开始介入互联网金融领域以期待攫取利润,造成了市场上鱼龙混杂、投资者投资难度加大的局面。本文试图解释互联网金融的有关问题,特别是从金融学的角度出发。
In recent years, the Internet finance in our country has witnessed a rapid development and market response. The traditional financial institutions such as commercial banks, trust and leasing companies have accelerated their service in the Internet direction. Emerging Internet companies and the groups behind them have also made substantial investments in the financial sector. Alibaba and Jingdong, even some small and medium-sized companies with poor qualifications have started to intervene in the field of Internet finance in the hope of profit-making. As a result, the market has become more and more diversified, making it increasingly difficult for investors to invest. This article attempts to explain the Internet finance related issues, especially from the financial point of view.