金融学家朱民：兼具全球视野与中国经验的金融大家|金融科技专家邀请

Core Insights - The article emphasizes the significance of internet finance as an inevitable global trend, highlighting its transformative impact on traditional banking functions and its integration into the real economy [3][4]. Group 1: Internet Finance Trends - Internet finance is not merely a channel innovation but represents a complete migration of financial functions, creating an open ecosystem of "platform + scenario" [3]. - The rapid growth and user acquisition in internet finance are attributed to its seamless integration into the transaction processes of the real economy [3]. Group 2: China's Competitive Advantage - China possesses the world's largest single consumer market and highly digitized commercial scenarios, providing a "natural experimental field" for internet finance [4]. - The large user base in China leads to significant scale effects, allowing models like mobile payments and online credit to be validated and potentially exported internationally [4]. Group 3: Risks and Challenges - The cross-border and cross-industry nature of internet finance disrupts traditional regulatory frameworks, leading to blurred lines in risk-bearing entities and legal boundaries [5]. - Traditional banking regulations, which rely on capital adequacy and physical inspections, are rendered ineffective in the context of internet finance, creating regulatory gaps [5]. Group 4: Regulatory Innovations - A call for a systemic upgrade from "institutional regulation" to "functional regulation" is made, emphasizing the need for legislation that recognizes "data as capital" and includes algorithms and data assets in regulatory frameworks [6]. - Establishing national-level RegTech laboratories and participating in international rule-making are proposed to enhance China's global leadership in internet finance [6]. - The ultimate goal is to create a multi-layered, complementary financial ecosystem where fintech operates transparently, traditional finance evolves through competition, and regulation achieves dynamic balance [6].