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直到本报告完成时,互联网金融还远没有发展成型,乐观估计至少尚需20年。因此,互联网金融既不完全是总结历史,也不完全是概括现状,更多是设想未来。《互联网金融报告2014》通过充分举证、大胆推演,既放眼于国际,又立足于中国实践,对互联网金融的原理、发展情况、风险及监管做出了深度分析和论证。互联网金融是一个谱系(spectrum)概念,涵盖从传统银行、证券、保险、交易所等金融中介和市场,到瓦尔拉斯一般均衡对应的无金融中介或市场情形之间的所有金融交易和组织形式。
Until the report is completed, Internet finance is still far from being developed. It is optimistic to estimate that it will take at least 20 years. Therefore, the Internet finance neither summarizes the history completely, does not completely summarize the status quo, more is to envision the future. The Internet Financial Report 2014 has made an in-depth analysis and demonstration of the principles, development, risks and regulation of Internet finance through full evidence and bold deduction, taking both international and domestic practices into consideration. Internet finance is a spectrum concept that covers all forms of financial transactions and organization between financial intermediaries and markets, such as traditional banks, securities, insurance, exchanges, and financial intermediaries or market situations where Walras’s general equilibrium corresponds .