互联网金融文献评述

Literature Review about Internet of Finance

摘要: 2013年可谓中国互联网金融元年。伴随着以“余额宝”为代表的互联网金融理财产品的诞生，互联网金融逐渐步入大众视野，并引起了学者的广泛关注。在此背景下，本文拟从互联网金融的内涵、背后蕴藏的经济学理论、对传统银行业的影响、传统银行业应对互联网金融冲击、互联网金融面临的风险以及法律规制等视角，对互联网金融的相关文献进行系统性梳理。

Abstract: 2013 can be described as the first year of China’s Internet of Finance (IOF). With the birth of wealth-management products of IOF, represented by the balance of treasure, IOF has gradually entered the public’s view and has aroused wide attention of scholars. Given this backdrop, the pa-per intends to systematically comb the relevant literature from a variety of perspectives, including the connotation of IOF, economic theory behind IOF, the impact of IOF on traditional banking in-dustry, how traditional banking industry deals with the impact of IOF, risks and legal regulation IOF facing, and so on.