本文首先概括了2015年我国互联网金融的总体发展情况,包括互联网金融发展的宏观背景等;其次根据互联网金融模式的分类,具体分析了我国互联网融资、互联网支付、传统金融机构在互联网金融领域的发展和新型互联网金融机构等业态的发展情况;最后分析了我国互联网金融面临的风险、监管态势及未来的发展趋势。从整体来看,互联网金融在2015年受到了高层前所未有的关注,互联网金融的“基本法”——《关于促进互联网金融健康发展的指导意见》于2015年7月出台,成为互联网金融规范发展的重要保障。随后,中国人民银行会同银监会、证监会、保监会正式启动中国互联网金融协会筹建工作。当前,互联网金融的新旧业态和传统金融机构之间既开展竞争也进行合作,彼此互相渗透,不断为实体经济发展提供支持。未来,相关的监管细则会陆续出台,确保互联网金融持续健康发展。
<<The general report first outlines the overall development of Chinese Internet finance in 2015. Second,based on the classification of Internet finance,the report analyses the micro financing via the Internet,the online payment service providers,the involvement of traditional financial institutions into the internet finance,and innovations in the field. Finally,the report analyses risks,regulation and future trend of Internet finance in China. Generally speaking,in 2015,policy makers in China pay a lot of attention on the Internet finance. In July,2015,the so-called “Basic Law” of Internet finance,“The guidance on promoting the healthy development of Internet finance”,was published and has become the important foundation for further regulation. Now,all types of internet finance service providers are competing with each other and working together simultaneously. In the future,relevant regulations will gradually be introduced to ensure sustainable and healthy development of Internet finance.
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