Economics paper写作--互联网金融中的信息不对称问题

摆渡论文网（www.baydue.com）-专业留学生作业辅导中心Economics paper写作-互联网金融中的信息不对称问题随着科学技术的进步，近年来，我国互联网取得了快速发展，在全国范围内具有不可阻挡的快速发展势头，由于互联网的便利性，我国金融在互联网领域有了新的发展。然而，我国对互联网金融的定义尚不准确、统一。2012年，互联网金融概念在中国首次出现。业内人士认为，互联网金融是一种全新的融资模式，与商业银行和资本市场完全不同。With the progress of science and technology, in recent years, the Internet in China has achieved rapid development, with an irresistible momentum quickly throughout the motherland, because of the convenience of the Internet, China's financial in the Internet region has a new development. However, there is no accurate and unified definition of Internet finance in China. In 2012, the concept of Internet finance first appeared in China. Insiders now believe that Internet finance is a new financing mode completely different from commercial Banks and capital markets.No matter what the definition of Internet finance is, its essential attribute is still finance. Factors affecting the effect of financial transactions, such as transaction cost's influence on financial, information asymmetry's impact on the financial, the influence of the risk to the financial, regulatory effect on the financial, etc., the emergence of the Internet financial will not eradicate these factors, but because of the influence of the Internet features some, make these factors become more complex and diverse. Therefore, while making use of the convenience of Internet finance, we must pay attention to the problems that are easy to occur in Internet finance, timely analyze and deal with the problems in Internet finance, put forward targeted measures, strengthen supervision and management of Internet finance, and reduce the probability of financial risks.The so-called information asymmetry refers to the phenomenon that people have different understanding of the actual situation of some financial activities due to their different ability to obtain information in financial activities. People who have more and more comprehensive knowledge of information will naturally gain greater advantages in financial activities and be able to judge the risks and profits in future financial activities more accurately. According to theoretical analysis, information asymmetry mainly includes two kinds of situations: one is prior adverse selection; Moral hazard afterwards. Information asymmetry is a common phenomenon in the financial market. Due to the information asymmetry, unfair and unfair phenomena appear in the financial market. At the same time, it inevitably reduces the transaction efficiency of integration and increases financial risks.In the financial market, information asymmetry is a ubiquitous and impossible phenomenon to eliminate. Information asymmetry is very unfavorable to the development of small and medium-sized enterprises. For example, due to information asymmetry, small and medium-sized enterprises are generally faced with the problem of financing difficulty. For small and medium-sized enterprises, the scale of enterprise operation is often relatively small, and the company's operating conditions are greatly affected by internal and external factors. Information asymmetry has a great impact on both financial institutions and small and medium-sized enterprises, which is the adverse selection we mentioned above. Adverse selection mainly faces two problems. First, small and medium-sized enterprises often need a lot of capital to support their development. Financial institutions have different interest rates for projects with different risks, while for projects with uncertain prospects or little effective information, the interest rate of borrowing can only be determined according to experience or average profit rate. At this time, when the risk faced by the enterprise is low, the analysis will show that the interest rate borrowed by financial institutions is higher than the interest rate of project operation or cannot reach the profit expected by the enterprise, so the enterprise will choose to abandon the project. For projects with high risks, enterprises often choose to pay. Once the loan is completed, financial institutions will bear high risks.The problem of adverse selection and information asymmetry in financial market is mainly caused by information asymmetry. And Internet finance also arises at the historic moment at this time. Internet finance mainly plays the role of guarantor between enterprises and financial institutions and plays a certain role in promoting the financial market with asymmetric information. Therefore, in recent years, Internet finance represented by alipay has developed rapidly in China.Theoretically speaking, Internet finance is a new financing method with the convenience of Internet information exchange and transaction. From this perspective, it should be able to effectively solve the problem of information asymmetry. However, in actual operation, it is not difficult to find that Internet finance cannot solve the problem of information asymmetry in the financial market