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Jingdong book

论道互联网金融

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中国互联网金融资深的思考者
以最平实的语言,探索互联网金融的本源和未来之路
过去我们的金融业出现了种种问题,互联网能为金融改革做什么?我认为,第一,减少金融供需信息不对称。第二,通过互联网,可以更加有效地进行消费者教育和风险披露。第三,互联网平台高度集成后可以互相链接,形成交易平台、信用平台、评价平台等,通过互联网链接,打造一个新的金融生态链。第四,互联网更重要的功能是能够把海量的散户资金集合起来,集腋成裘,形成“长尾效应”。第五,互联网金融的“鲶鱼效应”推动了传统金融机构的改革。
在中国,互联网金融催生了“互联网精神”,几乎一切美好的事物都与互联网关联上了。透明、平等、公平、民主、普惠、协作、分享等理想化的词语都成了互联网精神的内涵,人们认为互联网金融可以推进金融民主化,可以推进普惠金融,可以推进民生金融,等等。互联网金融承载着我们的价值追求,激起人们内在情绪的冲动和理想信念的憧憬,这或许是互联网金融能够在中国持续火爆更深刻的原因,而很多旁观者不觉察和不理解其细微之处,这就需要参与者去好好体验。
在中国,互联网金融不仅仅是一种工具,而是成为很多人的梦想。2013年,互联网金融这个梦想在憧憬中点燃和升华;2014年两会期间政府工作报告正式提出“促进互联网金融健康发展”时,互联网金融已经融合汇入了“中国梦”,成为“中国梦”的重要组成部分。

Content Description

互联网金融是当前中国经济下行时期的最大亮点,为中国金融市场带来巨大活力,正成为推动金融业革新的“鲶鱼”。
所谓“道”者,本源也,道路也。论道互联网金融,即是探寻互联网金融的本源与未来之路。大道至简!《论道互联网金融》以通俗易懂的简捷手法,叙述什么是互联网金融;互联网金融如何在中国爆发;互联网金融发展的社会基础与技术基础;互联网金融带来什么创业机遇,创业者如何切入互联网金融;互联网金融对传统金融有何影响;从业者如何预判互联网金融的风险;在互联网金融时代,投资者如何寻找资产保值增值的机会并控制风险。最后,《论道互联网金融》对互联网金融尤其是目前风险比较集中的网络借贷规范与监管提出独到的见解。
Author Description

黄震,北京大学法学博士,后在中国社科院金融所特华博士后工作站从事金融研究。中央财经大学法学院教授,金融法研究所所长,《互联网金融》创刊人,互联网金融千人会俱乐部创始人,中国银行法研究会副秘书长,国际金融论坛互联网金融中心主任,残疾人就业促进网首席专家。2013年至今在全球举行500多场关于互联网金融的演讲,发表具有重要影响的论文十多篇,被评为“中国互联网金融领军人物”。在人民日报、《中国金融》、《环球法律评论》等报刊发表论文百余篇,主编和参编著作六部。著有《互联网金融法律与风险控制》、《全国六五普法读本:民间借贷法律知识读本》等代表作。

邓建鹏,法学博士,中央民族大学法学院教授,互联网金融创新研究中心主任,《互联网金融》杂志副总编辑,国际金融论坛互联网金融中心研究员,在互联网金融监管与法律风险控制等方面有深入研究。参加工作十年来,荣获霍英东教育基金会高等院校青年教师奖、北京市哲学社会科学优秀研究成果二等奖、中央民族大学“十佳教师”等十项荣誉,另与黄震教授合著《互联网金融法律与风险控制》、《做让用户尖叫的产品:互联网金融创新案例经典》。
Catalogue

前言
导言互联网金融与中国梦
一、互联网金融发生的中国情境
二、互联网对金融改革和创新的意义
三、互联网金融点燃中国梦

第1章 互联网金融的几张面孔
一、互联网金融的界定与特征
二、互联网金融的两个“二”
三、互联网金融的三个“三”
四、互联网金融的四大视角
五、互联网金融发展的五大方向
问答

第2章 互联网金融的产业与机遇
一、互联网金融的产业领域
二、互联网金融的内涵
三、互联网金融为何近年在中国爆发
四、互联网金融的机遇

第3章 互联网金融的挑战与风险
一、互联网金融的挑战
二、互联网金融的风险特征
三、互联网金融法律风险的类型
四、降低网贷投资风险的途径
五、民间借贷法律风险及防范

第4章 互联网金融的中国道路
一、中美互联网金融发展差异
二、互联网金融的中国之路
三、互联网金融与消费者权利的实现
四、互联网金融与资本市场的变革

第5章 互联网金融的监管
一、互联网金融刚起步需要呵护
二、互联网金融的发展与规范
三、互联网金融监管的法治化
四、互联网金融监管的思维变革与制度创新
五、西方互联网金融监管实践与启示

第6章 P2P网贷的规范与监管
一、P2P网贷的现状与趋势
二、信息技术助推P2P网贷规范化
三、P2P网贷的内涵与监管
四、P2P网贷风险成因与监管对策
结束语迎接互联网金融的黄金十年
附录战略合作机构介绍
后记
Book Abstract

互联网平台给我们提供便捷的交易,但对风险的提示往往不足。一些公司产品开发设计时征求我的意见,我说还要充分考虑消费者的权利,知情权是否充分告知,交易选择权是否有所提示,风险是否告诉消费者等。我对阿里支付宝的支付环境提出了这样的建议:虽然你们可以打通从支付到基金再到协议存款,提供非常便捷的余额宝,但在这个过程中你是不是应该一步步提示风险呢?后来有关的产品开发和主管部门同志认为我的建议有一定道理。所以,互联网不仅是一种维权手段,也是一种行权手段。
此外,互联网还是一种赋权工具。在没有互联网的时代,我们没有机会行使很多权利,有了互联网以后,每个人随时随地想着、盼望着和行使着我们的权利。
第一个是知情权。过去我们讲知情权是可能要等发布者给你不给你的问题。有了互联网之后,互联网的第一波是门户网站,门户网站给我们提供很多资讯,在不断给予我们资讯的过程中就培养了我们的知情权意识。反过来,我学生时代丢了一个学生证,要进行信息公告,在报纸中缝发了公告,那个公告有什么意义呢?连我自己找半天都没找到,信息的可获得性非常差。但是,只要在网上进行了公示,别人通过搜索就可以搜索到,加上搜索工具,我们的知情权更容易实现了。
第二个是话语权。原来在传统时代,话语权牢牢控制在我们的喉舌——报纸、电视、广播。有了互联网之后,大家都觉得自己可以办网站,但其实是有经济实力才能办网站,我办了残疾人就业促进网,已经烧钱烧了8年了,每年烧掉我几十万,确实不容易,但是帮残疾人行使了一定的话语权。在自媒体时代,每个人开微博,几乎不要成本,每个人开微信,朋友圈里发一下,也几乎没有成本。于是,话语权转移到消费者身上了,这是一个巨大的转变。同时,微博时代和微信时代有所不一样,在微信行使话语权的时候,都是在熟人圈,所以是有差异的。在微博里,不知道谁在看我发布的内容,不是确切的对象,有些人可能在发泄自己的情绪,有人说微博是泄愤场,微信是温情提示平台。虽然微博、微信的话语方式不同,但是,总的来说,话语权掌握在消费者手里。当我们进行金融交易或者在金融交易过程中感觉到自己权利受到侵犯的时候,很可能更多选择使用微博。求助时,可能就会放到微信中,因为是熟人圈,能够得到切实的帮助。这是话语权在转移。
同时,互联网发展起来后,有专业平台提供交易,过去叫货比三家,所以,交易成本很高。在互联网上,由于有了融360、91金融超市等垂直搜索平台,我们比价很容易了。现在有一键比价软件,一键按下就可以知道同样产品的价格有什么不同,更便于实现交易选择权了。互联网不仅仅是一种事后维权的工具,也不仅仅是交易过程中行权的辅助,更是一种赋予我们很多新权利的环境、条件。
随着互联网进一步渗透到每个人,我们每天乐呵呵玩着的微信群,就是一种自组织。过去我们常用QQ群形成一种组织,但是QQ群控制性很强,QQ群发起难度比微信群大。微信群是一种自组织,一定程度上解构了过去我们对于社团管理的审批权。过去消费者没有结社权,现在通过微信群,可以很快行使结社权,包括监督决策等。海选超女时我们就用短信行使权利,用短信选出李宇春等明星。现在我做残疾人就业促进网,可以点赞。另外,有的机构以后奖金的多少由点赞的多少决定,今后的决策权可能也会在互联网上行使。
……
Introduction

作者研究民间金融及互联网金融十余年,应邀在诸多场合发表演讲数千次,部分内容承有心人整理成章,日积月累,集腋成裘。作者择其颇可示人者,连同个别发表在报刊上的文章,并在重新大幅度调整、补充一些数据和事实后,结集出版。
与作者前一本法律工具书性质的《互联网金融法律与风险控制》风格迥异,本书以通俗易懂的表达方式,细述什么是互联网金融;互联网金融如何在中国产生;互联网金融爆发的社会基础、技术基础是什么;互联网金融带来什么创业机遇,创业者如何切入互联网金融;互联网金融对传统金融有何影响;从业者如何预判互联网金融的风险;在互联网金融时代,投资者如何寻找资产保值增值的机会并控制风险,以及作者对互联网金融尤其是目前风险比较集中的网络借贷规范与监管的看法。
所谓“道”者,本源也,道路也。论道互联网金融,
即是探寻互联网金融的本源与未来之路。作者希望,本书的出版,为进一步推动中国互联网金融健康、有序发展,持续贡献绵薄之力。
需要特别声明的是,本书提及若干互联网金融从业机构,但本书并非投资报告,不构成对读者在这些特定机构投资的任何建议。
作者谨识
2014年9月12日

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欣叶 御大福 芋头麻薯 180g

周销量 600+

$1.66 $1.99 83折

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