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我国互联网金融的高成长和快成长源于三个特定的经济社会背景:国家政策积极鼓励其创新健康发展,金融抑制下企业资产配置和居民财富管理需求升级,中小微企业和“三农”融资难、融资贵“瓶颈”的突破。不论以何种眼光看待,不论用“爆发式”、“井喷式”还是“野蛮式”、“粗放式”描绘互联网金融的迅猛发展,不需争辩的事实是,互联网与金融的接触催生了新的金融业态和金融模式。
The high growth and fast growth of China’s Internet finance stem from three specific economic and social backgrounds: the state policies actively encourage its innovation and healthy development, the allocation of corporate assets under financial repression and the need of residents’ wealth management upgrade, the development of small and medium-sized micro-enterprises and the “ ”Financing difficult, financing expensive “ bottleneck ”breakthrough. No matter what kind of vision, regardless of the “explosive” “blowout ” or “barbaric ” “extensive ” depicts the rapid development of Internet finance, indisputable fact is that, The contact between Internet and finance has given birth to new financial formats and financial models.