我国互联网金融成长上限机理及对策探讨

摘要

基于我国互联网金融发展现状,结合参与主体和环境要素的“内-外”研究视角,调查总结出互联网金融在发展过程中存在的制约因素;运用系统动力学动态反馈分析理论,分别对互联网金融机构在机会获取、资源利用及规模发展等方面建立成长上限基模,深入分析各反馈环路对互联网金融发展的抑制机理;探讨总结形成负反馈环路的关键节点,构建对策基模,将抑制环路转变为激励环路.通过全面考虑互联网金融参与主体的需求反馈,整合内外部发展资源,以营造良好的发展环境,促进普惠金融全面发展.%Based on the current situation of internet finance in China and the research perspective of internet finance participants and environmental factors,this paper summarizes the restrictive factors that exist in the development of internet finance.It also establishes the modes of growth limit about opportunity acquisition,resource utilization and scale development of internet finance based on the feedback analysis of system dynamics,analyses the inhibition mechanism of the feedback loop on the development of internet finance,explores key nodes of the suppression loop,constructs countermeasure model of internet finance in order to change the suppression loop to excitation loop.Through the comprehensive consideration of participants' demand feedback and the integration of internal and external resources,it can build the good environment for internet finance,and promote the all-around development of inclusive finance.