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现代科技技术的发展促使互联网与金融深度融合,催生了互联网金融的产生。2013年以余额宝为代表我国的互联网金融开始迅速发展,然而,中国互联网金融的发展呈现出与美国迥异的鲜明特点和独特范式。中国长期以来的金融抑制政策决定了互联网金融自诞生之日起就有鲜明的“普惠性”的特征。本文从互联网的内涵发展轨迹出发分析了互联网金融的普惠性的具体特征,最终分析互联网金融存在的问题并给出相应的建议。
The development of modern science and technology has led to the deep integration of the Internet and finance, giving rise to the emergence of Internet finance. In 2013, the Internet finance represented by Yu Bao as a representative of China began to develop rapidly. However, the development of China’s Internet finance presents distinct characteristics and unique paradigms that are different from those in the United States. China’s long-term financial repression policy has determined that the Internet finance has its distinctive “commonweal” characteristics since its birth. This article analyzes the specific characteristics of the universality of internet finance from the connotation development path of internet, finally analyzes the problems existing in internet finance and gives corresponding suggestions.