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Jingdong book

互联网金融手册

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Jingdong book

互联网金融手册

Name: 互联网金融手册
Brand: Jingdong book
SKU: 3111000131
Price: 34.93 USD
Availability: OutOfStock

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Content Description

《互联网金融手册》作者在2012年4月7日“金融四十人年会”上首次公开提出了“互联网金融”概念。在短短两年中，互联网金融已经成为中国金融界和IT界最热门的词汇之一，相关创业活动也非常活跃。本书是作者两年来深入研究、思考的结晶，畅想了金融与IT结合的未来图景，将理论与实践高度融合，与读者分享了许多深具洞察力的观点。本书力图规范互联网金融的定义，完善互联网金融的理论体系，分析互联网金融目前的六种主要类型——金融互联网化、移动支付与第三方支付、互联网货币、基于大数据的征信和网络贷款、P2P网络贷款、众筹融资，探讨大数据在证券投资和保险精算中的应用，对互联网金融监管提出政策建议。希望本书在互联网金融的研究者、实践者和监管者之间架起一座沟通的桥梁，促进互联网金融健康发展。

Author Description

谢平，经济学博士，教授、博士生导师。历任中国人民银行政策研究室副主任、非银行金融机构监管司司长、湖南分行行长、研究局局长、金融稳定局局长，申银万国证券股份有限公司董事长，中央汇金公司总经理。现任中国投资公司副总经理、中国金融四十人论坛常务理事会副主席。

邹传伟，北京大学统计学学士、经济学硕士，中国人民银行金融研究所博士，副研究员。先后供职于中央汇金公司、中国投资公司，2013年起同时在特华博士后科研工作站进行博士后研究。

刘海二，西华师范大学管理学学士，西南财经大学经济学硕士、经济学博士，现供职于广东金融学院。

Catalogue

第一章导论
互联网金融的定义
互联网金融的发展概况
本书结构

第二章互联网金融原理
基本框架
支付
信息处理
资源配置

第三章金融互联网化
网络银行和手机银行
网络证券公司
网络保险公司
网络金融交易平台
金融产品的网络销售

第四章移动支付与第三方支付
基本概念与发展概况
基本原理与账户体系
金融商品属性与货币控制
对微信的分析
对余额宝的分析

第五章互联网货币
互联网货币的概念
互联网货币的经济学
比特币

第六章对大数据的一般性讨论
大数据的概念与主要类型
大数据分析的主要任务
大数据分析与计量经济学的比较

第七章基于大数据的征信和网络贷款
基于大数据的征信
基于大数据的网络贷款

第八章P2P网络贷款
对Lending Club的分析
P2P网络贷款的经济学

第九章众筹融资
对Kickstarter的分析
众筹融资运作原理与发展概况
众筹融资的经济学

第十章互联网金融监管
互联网金融是否需要监管
互联网金融的功能监管
互联网金融的机构监管

第十一章互联网交换经济
对共享经济的分析
互联网交换经济的原理
互联网交换经济与互联网金融的关系

第十二章需要进一步研究的问题
大数据在证券投资中的应用
大数据在保险精算中的应用

后记

Introduction

2014年3月6日，李克强总理在政府工作报告中提出：“促进互联网金融健康发展。”“互联网金融”这一概念，从2012年初提出到写入政府工作报告只用了两年左右的时间。作为这一概念的提出者，我们深受鼓舞。
下一步，互联网金融要健康发展，关键是把握发展与监管之间的平衡。一方面，积极鼓励互联网金融创新，发挥互联网金融服务实体经济、配置金融资源的作用；另一方面，完善监管，切实防范和化解互联网金融的风险。针对这种情况，我们怀着野叟献曝的心态，撰写了这本《互联网金融手册》，呈现给对互联网金融感兴趣的读者。
本书之所以叫“手册”，主要有三个原因。第一，写作严格遵循学术规范，尽最大可能追求概念定义、逻辑架构、理论推演和案例分析的严谨性。这种努力源自我们的一个根深蒂固的信念——深入认真思考才能产生持久价值，空谈阔论只会像泡沫一样消散。第二，手册作为一种学术体裁，有助于集众家之长，补我们之短。正如读者将看到的，我们引用了其他学者的大量研究成果。第三，手册意味着实用性。互联网金融是一个交叉领域。我们的一个主要目标，就是向具有金融背景的读者介绍互联网，向具有互联网背景的读者介绍金融，向实践者介绍监管逻辑，向监管者介绍实践进展。基于这些考虑，我们介绍了一些实用模型。但读者如果并不从事互联网金融的学术研究或应用开发，完全可以跳过这些模型，而不会影响对这本书的理解。
本书一经出版，我们就秉承开放、共享的精神，将裁判权交给读者。互联网金融是一个开放领域，很多问题尚无定论，也没有学术权威。同时，对互联网金融研究，我们倾向于“众筹”方法论，因为只有大家都能参与讨论、发表见解，才能沉淀智慧、去伪存真。具体到这本书，受研究能力和时间的局限，疏漏与错误肯定不少。我们真诚期待读者的批评、指正和建议，并将在后续版本中不断完善。
本书是集体努力的产物。清华大学五道口金融学院石午光参与了第五章的写作，中国人民银行西安分行苗文龙博士参与了第七章和第九章的写作，中国人民大学出版社社长李永强给予了大力支持，费小琳、曹沁颖女士以及其他多位编辑在编辑出版方面做了细致的工作。没有他们的努力，这本书无法完成。

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Jingdong book

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