金融生態與共享金融

目 錄

CONTENTS

第一章 金融的演化歷程 ···········································································1

第一節 金融 ····························································································2

一、“金融”詞語的演變 ···········································································2

二、金融是什麼？ ······················································································3

三、金融的構成與功能 ···············································································4

第二節 金融中介 ····················································································7

一、什麼是金融中介？ ···············································································7

二、為什麼產生金融中介？ ·······································································8

三、金融中介的分類 ··················································································9

第三節 金融監管 ··················································································12

一、什麼是金融監管？ ·············································································12

二、金融監管的由來及演變歷史 ······························································12

三、金融監管的模式 ················································································15

第四節 金融的發展史 ···········································································16

一、世界金融發展的脈絡 ·········································································16

二、現代金融的新發展 ·············································································19

三、金融全球化 ························································································21

四、我國金融生態圈發展歷程 ··································································21

第二章 金融生態及其構成 ······································································25

第一節 金融生態及其演化 ···································································26

一、金融生態的內涵與特徵 ····································································· 26 

二、金融生態理論演化 ············································································· 31 

第二節金融生態組織網絡形成機理 ···················································· 34 

一、金融生態圈組織網絡形成動因 ·························································· 34 

二、金融生態圈組織網絡形成過程 ·························································· 38 

第三節金融生態圈網絡結構模型與評價方法 ····································· 41 

一、金融生態圈網絡結構 ········································································· 41 

二、金融生態圈評價方法 ········································································· 50 

第四節美國金融生態圈發展經驗 ························································ 52 

一、放鬆對銀行存款利率的管制 ······························································ 52 

二、銀行業務地域限制被逐步取消 ·························································· 53 

三、金融機構協同經營個案階段 ······························································ 54 

四、金融機構全面實行混業經營 ······························································ 55 

第三章共享金融···················································································57 

第一節共享金融的概念、內涵和功能 ················································· 58 

一、共享金融的概念 ················································································ 58 

二、什麼是共享金融？ ············································································· 61 

三、共享金融的功能 ················································································ 62 

第二節共享金融的共享形式和共享內容 ············································· 64 

一、共享金融的共享形式 ········································································· 64 

二、共享金融的共享內容 ········································································· 66 

第三節共享金融的共享主體和理論模型 ············································· 67 

一、共享金融的共享主體 ········································································· 67 

二、共享金融的理論模型 ········································································· 71 

第四章共享金融平臺與技術···································································77 

第一節因特網金融與共享金融 ···························································· 78 

一、因特網金融 ························································································ 78 

二、因特網金融的典型模式分析 ······························································ 80 

三、因特網金融與共享金融平臺 ······························································ 86 

第二節區塊鏈與共享金融 ··································································· 87 

一、區塊鏈技術內涵與特徵 ····································································· 87 

二、區塊鏈技術結合共享金融的意義 ······················································ 90 

三、區塊鏈共享金融模式作用機制 ·························································· 92 

四、區塊鏈助推共享金融發展的建議 ······················································ 94 

第三節因特網共享金融案例—螞蟻金服 ········································· 96 

一、螞蟻金服案例概述 ············································································· 96 

二、螞蟻金服各機構運行機制 ·································································· 97 

三、螞蟻金服共享生態圈 ········································································100 

四、螞蟻金服創造共享價值 ····································································104 

第五章金融創新與共享金融·································································105 

第一節金融創新的內涵與類型 ·························································· 107 

一、金融創新的內涵 ···············································································107 

二、金融創新的分類 ···············································································108 

第二節金融創新與金融監管的關系 ···················································113 

一、金融監管刺激金融創新產生 ·····························································114 

二、金融監管在不斷調整中促進金融創新的發展 ···································115 

三、金融創新與金融監管的博弈關系 ·····················································116 

四、問題與建議 ·······················································································117 

第三節金融創新與共享金融的關系 ·················································· 120 

一、共享經濟下的金融創新—共享金融 ··············································120 

二、金融創新與共享金融相輔相成 ·························································121 

第六章共享金融風險分析 ····································································127 

第一節風險類型 ················································································ 129 

一、交易過程視角 ···················································································129 

二、交易層次視角 ···················································································131 

第二節風險評價 ················································································ 135 

一、評價方法 ···························································································135 

二、指標設計 ···························································································136 

三、層次分析 ···························································································137 

第三節共享金融風險案例分析：以“牛板金”爆雷為例 ················· 140 

一、杭州市P2P 爆雷情況分析 ································································141 

二、牛板金爆雷的案例分析 ····································································143 

第四節風險控制與隔離 ····································································· 148 

一、風險監控 ···························································································148 

二、平臺建設 ···························································································150 

三、共享金融創新工作試點 ····································································151 

四、技術保障 ···························································································152 

第七章共享金融協同分析 ····································································155 

第一節共享主體 ················································································ 156 

一、金融基礎設施共享 ············································································156 

二、供應鏈金融 ·······················································································157 

三、互助保險 ···························································································157 

四、區塊鏈金融 ·······················································································158 

第二節共享內容 ················································································ 162 

一、金融平臺 ···························································································162 

二、金融產品 ···························································································163 

第三節協同關系 ················································································ 163 

一、協同共享 ···························································································163 

二、協同治理 ···························································································167 

參考文獻 ·······························································································171