广义虚拟经济视角下的互联网金融发展研究

摘要

This article is based on the generalized virtual economy new perspective to study the development of the Internet finance in our country. Through analyse the connotation of Internet finance and the develop-ment of China's Internet ifnance, then put forward the Internet ifnance strategies under the generalized virtual economy. Research suggests that the birth of Internet ifnance is the inevitable outcome of ifnance innovation in generalized virtual economy age, people first, pay attention to the perceptual experience, meet user psy-chological value and personalize offering characteristics are all permeate the Internet ifnance, it is just in line with the connotation and characteristics of generalized virtual economy. From economic transformation and upgrading, customer service and system innovation, depth of fusion between industries and cross-border development, risk control and come up with supervision four aspects discuss the development of the Internet ifnance strategy under the generalized virtual economy.%本文基于广义虚拟经济新视角研究我国互联网金融的发展状况，通过分析互联网金融的内涵和梳理我国互联网金融的发展历程，提出广义虚拟经济下互联网金融的发展策略。研究认为，互联网金融的诞生是广义虚拟经济时代下金融创新的必然产物，以人为本、注重感知体验、满足用户心理价值和提供个性化服务等特征均渗入到互联网金融中，这恰好符合广义虚拟经济的内涵和特征，并从经济转型升级、用户服务和体制创新、产业间深度融合和跨界发展、风险控制和提出监管四个方面探讨广义虚拟经济下互联网金融发展的策略。