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互联网金融就是互联网和金融的交叉融合,借助网络平台实现金融资源的重新分配。互联网金融产业集群主要是业务关联的实体经济和互联网金融的有机结合。互联网金融产业集群将众多的单一交易功能的平台整合起来,形成一种交易生态,通过这种聚集的密度来释放互联网金融发展的力度和深度。我国互联网金融产业集群还处在政府引导的初级阶段,在其发展演变过程中会逐步形成“政府+市场”的运作模式直至最终形成以市场为主导的产业集群态势,而该集群对区域经济增长的传导机制主要通过产业结构优化效应、规模效应和创新效应来实现。
Internet finance is the Internet and financial cross-integration, using the Internet platform to achieve the redistribution of financial resources. The Internet financial industry cluster is mainly the organic combination of the real economy and internet finance related to business. The internet financial industry cluster integrates a large number of platforms with single transaction functions to form a transactional ecosystem, through which the density of Internet finance releases the strength and depth of Internet finance development. China’s Internet financial industry cluster is still in the primary stage of government guidance and will gradually form a “government + market” mode of operation in the course of its development and evolution until a market-led industrial cluster situation is finally formed. However, The conduction mechanism of economic growth is mainly realized through the optimization effect of industrial structure, scale effect and innovation effect.