互联网金融监管态势转变，行业进入理性规范发展新阶段

<线上配资平台>互联网金融监管态势转变，行业进入理性规范发展新阶段

摘要

互联网金融自2013年迎来爆发性增长以来，监管态势也经历了由松到紧，由鼓励、促进到规范、健康发展的转变。2017年7月影子银行期限错配，中央金融工作会议再次提出“加强互联网金融监管”，充分显示中央引导和规范金融科技与互联网金融健康发展的意志和决心。目前，我国互联网金融行业正式告别“野蛮生长”的初生期，进入理性规范发展的成长期。互联网金融专项整治工作在“时间服从质量”原则下，经过严格的整顿清理亦已进入尾声。随着政策法规陆续出台互联网金融监管态势转变，行业进入理性规范发展新阶段，政府监管与行业自律有机结合的管理体制逐步构建，行业整体风险下降态势明显，风险案件高发、频发势头得到遏制，机构优胜劣汰加速调整，发展环境逐步净化，行业总体趋于理性。

互联网金融作为普惠金融的有效实践，支持实体经济、促进普惠金融发展不仅是互联网金融稳健发展的重要目标互联网金融监管态势转变，行业进入理性规范发展新阶段，也是互联网金融回归理性发展的要义和主旨。在监管与行业两相努力下，互联网金融行业的发展已经表现出由追求数量增长向追求质量提升转变。摒弃野蛮生长的毒瘤，重拾业务本源与初心成为行业发展主题。服务实体践行普惠，科技金融加速融合。从互联网金融发展的实践来看，互联网金融企业有向综合化经营与专业化经营并存的局面转化的趋势。目前，互联网金融进入门槛已显著提高，行业内部已从先前“完全市场化”的野蛮、无序竞争逐渐走向“规模化”和“垄断化”竞争趋势，涌现若干实力强劲从业机构。行业竞争愈益激烈，马太效应日渐显现。

2017年，全国金融工作会议确立了金融监管全覆盖的原则和目标。互联网金融作为传统金融的有益补充，不论是从其金融本质属性还是与传统金融紧密关系来看，纳人金融监管势在必行。当前，互联网金融行业业务转型正伏枥推进，持照经营也势在必行。网络借贷行业已经实行了实质性类似于金融牌照监管的备案登记制度；互联网保险、互联网支付则已经执行金融特许经营监管影子银行期限错配互联网金融监管态势转变，行业进入理性规范发展新阶段，并发放了相当数量的金融牌照；互联网众筹尽管仍处于试点过程中，但持照经营必然是大势所趋。

我国互联网金融的发展已经居于世界首位，在模式创新、技术革新方面均引领全球，不仅诞生了大量新兴的互联网金融创业企业，也产生了估值高、规模大、业务广的“独角兽”企业。在科技融合深化、商业模式成熟、竞争日趋激烈、行业回归理性的大背景下，互联网金融行业正在通过广泛的合作或依托自身平台打造丰富的生态圈体系，同时积极探索与寻找潜在的增加价值。为此，我们在监管政策和理念上，需要以促进互联网金融行业健康发展为目标，从降低成本和提升效率等多方面促进金融科技和互联网金融更好服务实体经济。同时，在监管体系建设上，着实构建中央指导、地方执行、行业自律、社会监督的跨部门跨地域的全面监管模式影子银行期限错配，在监管技术和手段上，积极拥抱“监管科技”，注重通过技术手段和分析模型的应用。

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