互联网时代下金融体系发展研究——基于保险、证券和银行视角

Research on the Development of Financial System in the Internet Era—Based on the Perspective of Insurance, Securities and Banks

摘要: 在数字化风靡的背景下，如何把握互联网金融带来的潮流是重中之重。互联网由诞生到成长十分迅速，包罗了这社会中的万事万物。金融行业也为了自身的发展，谋求与互联网行业在某种方面的结合合作以提升自身的效能，由此应运而生了互联网金融的行业。互联网金融不是单纯地将金融业和互联网进行融合，而是运用互联网的长处来发展自身的金融业务。该论文从传统经济结构入手，围绕银行业、保险业、证券业三个方面，旨在探索互联网的普及对金融行业带来的优劣影响，并提出合理的改进措施。具体的，文章通过个案法，基于在互联网 + 金融的模式下出现的金融脱媒现象，研究如何运营并且有何收益和有何不足、如何实现资源的最优配置；其次，采用比较分析法，总结比较国内外互联网金融的发展情况；最后，采用经验总结法总结分析适合中国金融体系发展的互联网金融道路。本文为打造一条中国特色的互联网金融道路提供了独到的看法。

Abstract: In the context of the popularity of digitalization, how to grasp the trend brought by Internet finance is of utmost importance. The Internet has grown rapidly from its birth to its growth, covering everything in this society. For its own development, the financial industry also seeks to cooperate with the Internet industry in some aspects to improve its own efficiency, and thus the Internet finance industry came into being. Internet finance is not simply the integration of the financial industry and the Internet, but the use of the strengths of the Internet to develop its own financial business. Starting from the traditional economic structure, this paper focuses on the three aspects of banking, insurance and securities industries, aiming to explore the advantages and disadvantages of the popularization of the Internet on the financial industry, and put forward reasonable improvement measures. Specifically, the article uses the case method, based on the phenomenon of financial disintermediation that has emerged under the Internet + Finance model, to study how to operate and what benefits and shortcomings there are, and how to achieve the optimal allocation of resources; secondly, the comparative analysis method is used to summarize and compare the development of Internet finance at home and abroad; finally, the experience summary method is used to summarize and analyze the Internet finance path suitable for the development of China’s financial system. This article provides a unique view on creating an Internet finance path with Chinese characteristics.