生态系统视角下中美互联网金融竞争力的比较研究

A Comparative Study on the Competitiveness of the Internet Finance between China and the United States from the Perspective of Ecological System

成果信息

DC信息

传播影响力

归属学者：

任静

归属院系：

商学院（监察审计学院）

作者：

任静 ;朱方明

摘要：

互联网金融是否深刻地改变了金融业的竞争格局,是否会引起金融业的革命性变革,引起人们广泛关注与争议。从生态系统视角看,美国的互联网金融业态种类齐全、创新领先,但缺乏控制者进行顶层设计,亦无优势种激发系统活力,业态发展相对独立,对传统金融系统威胁弱,竞争力不足;中国的互联网金融起步稍晚,但有强势的控制者统筹规划,优势种潜力无限,业态发展形成强烈协同效应,整体竞争力强。美国互联网金融业态相对独立,采用的是分类监管;中国互联网金融系统性强,一旦发生金融风险,其传染性会更强、传播速度会更快,应采用联合监管。为保持中国互联网金融竞争优势,政府监管应从原则式向规则式过渡。

语种：

中文

出版日期：

2016-11-20

学科：

金融学

收录：

北大核心期刊; CSSCI

提交日期：

2018-01-11

引用参考：

任静;朱方明. 生态系统视角下中美互联网金融竞争力的比较研究[J]. 四川大学学报(哲学社会科学版),2016(06):60-66.

全文附件授权许可：

知识共享许可协议-署名

dc.title
生态系统视角下中美互联网金融竞争力的比较研究

dc.contributor.author
任静;朱方明

dc.contributor.author
Ren Jing;Zhu Fangming

dc.contributor.affiliation
西南政法大学管理学院;四川大学经济学院;

dc.publisher
四川大学学报(哲学社会科学版)

dc.publisher
Journal of Sichuan University(Philosophy and Social Science Edition)

dc.identifier.year
2016

dc.identifier.issue
06

dc.identifier.volume
No.207

dc.identifier.page
60-66

dc.date.issued
2016-11-20

dc.language.iso
中文

dc.subject
互联网金融;;竞争力;;生态系统;;中美比较研究

dc.subject
internet finance;;ecological system;;competitiveness;;comparative study

dc.description.abstract
互联网金融是否深刻地改变了金融业的竞争格局,是否会引起金融业的革命性变革,引起人们广泛关注与争议。从生态系统视角看,美国的互联网金融业态种类齐全、创新领先,但缺乏控制者进行顶层设计,亦无优势种激发系统活力,业态发展相对独立,对传统金融系统威胁弱,竞争力不足;中国的互联网金融起步稍晚,但有强势的控制者统筹规划,优势种潜力无限,业态发展形成强烈协同效应,整体竞争力强。美国互联网金融业态相对独立,采用的是分类监管;中国互联网金融系统性强,一旦发生金融风险,其传染性会更强、传播速度会更快,应采用联合监管。为保持中国互联网金融竞争优势,政府监管应从原则式向规则式过渡。

dc.description.abstract
From the perspective of ecological system, comparing the development of internet finance between China and the USA,we can draw some conclusions. USA has a full range of internet finance and play a leading role in innovation, but there is no controller which can design the whole financial system and no dominant which can stimulate system activity. The development of various financial formats is relatively independent and it is difficult to form resonance of financial formats. So, American internet finance is a weak threat to traditional financial system and lacks competitiveness. Chinese internet finance started later, but, it has powerful controllers which can develop an overall plan and dominants of infinite potential. Furthermore,the development of Chinese financial format has formed a strong synergy effect. Overall competitiveness of Chinese internet finance is strong. USA government adopts classification regulation. However, Chinese internet finance has systematic features, so joint supervision should be better for China. In addition, to maintain the long-term competitive advantage of internet finance in China, principles-based regulation should turn to rules-based regulation.

dc.description.sponsorship
2016年重庆市教委科学技术研究项目“重庆市互联网金融生态系统健康诊断与价值提升研究”(KJ1600109)

dc.description.sponsorshipsource
重庆市教委科研基金

dc.identifier.CN
51-1099/C

dc.identifier.issn
1006-0766

dc.identifier.if
0.617

dc.subject.discipline
F724.6;F832;F837.12

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生态系统视角下中美互联网金融竞争力的比较研究

A Comparative Study on the Competitiveness of the Internet Finance between China and the United States from the Perspective of Ecological System