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互联网金融的孕育、诞生及至异军突起,完全受市场机制的主导,纯属自下而上的市场创新,并无自上而下顶层设计的色彩。互联网的发展为互联网金融提供了技术支撑;中小微企业的融资饥渴为互联网金融预留了广阔的生存空间;民间资本膨胀、投资热点缺乏及实体经济部门金融热情的高涨,共同为互联网金融推波助澜;监管层乐见其成的宽容,无异于为互联网金融开辟了绿色通道;资产管理业对低成本渠道的追逐,提升了互联网金融的热度。
The birth of the Internet finance and its emergence to the West at this time are completely dominated by the market mechanism and purely bottom-up market innovations. There is no color in top-level design from the top. The development of the Internet has provided technical support to Internet finance. The thirst for financing of small and medium-sized enterprises has reserved a vast living space for Internet finance. The expansion of private capital, the lack of investment hotlines and the upsurge of financial enthusiasm in the real economy jointly contribute to Internet finance ; Regulators enjoy its tolerance, tantamount to opening up a green channel for Internet finance; asset management industry to chase low-cost channels to enhance the heat of Internet finance.