互联网金融核心竞争力的经济学分析.pdf

互联网金融核心竞争力的经济学分析 互联网金融核心竞争力的经济学分析 丁丽芳 （山西农业大学经济管理学院，山西 晋中030801） 摘 要：互联网金融在支付、网贷、投资、微金融和信息中介方面凸显其竞争实力，文章基于GEM 模型从互联网的基础设 施和金融资源、云上金融战略与业务、国内外金融市场六个方面分析互联网金融的核心竞争力。探究互联网金融在中国高速发 展的根源，基础资源与设施是互联网金融的资源池和创新源，企业战略与主营业务是互联网金融的价值源，市场需求与市场竞 争是互联网金融发展的动力源。通过分析得出中国互联网金融业是高效率、高风险、低市场占有率、监管不到位的行业，同时 提出顺应互联网金融成长逻辑、互联网金融与传统金融业协同发展、互联网金融企业+传统企业实现跨界联合三点建议，为中国 普惠金融和绿色金融发展以及互联网金融生态化演进提供实践依据和理论支撑。 关键词：互联网金融；金融资源；市场需求；金融战略 中图分类号：F832.2 文献标识码：A 文章编号：1004-292X（2017）01-0091-05 The Analysis on the Core Competitiveness of Internet Finance DING Li-fang （School of Economic and Management ， Shanxi Agriculture University ， Jinzhong Shanxi 030801 ， China ） Abstract ： Internet business finance shows its core competitiveness in the fields of paying ， net loan ， investment ， micro-finance and information agency. Based on the GEM model ， the article analyzes the competitiveness of Internet Financial from six aspects: the basic resources and facilities ， the enterprise strategy and the main business ， domestic and international market ， to explore the logical relationship between these six factors. The basic elements of the Internet are the resources pool and innovation. Corporate elements are the core of the value of the Internet banking ， and the market is the driving force of Internet financial development. Through the analysis of the chinese Internet financial is a high efficiency ， high risk and low market share ， and regulatory is not in place of the industry. At the same time ， the Internet is also proposed three proposals to comply with the financial growth of the Internet ， the Internet Financial and tradi