Paper范文-互联网金融中的信息不对称

1、 留学生活网 专业留学生essay代写网站Paper范文-互联网金融中的信息不对称Paper范文-Information asymmetry in Internet finance下面为大家整理一篇优秀的paper代写范文- Information asymmetry in Internet finance，供大家参考学习，这篇论文讨论了互联网金融中的信息不对称问题。所谓的信息不对称，是指人们的在金融活动中，由于获取信息的能力不同，因此对某些金融活动的实际情况了解有所差异的现象。互联网金融顾名思义主要交易的方式是网上交易，因此交易双方的身份确认和关于对方交易信誉方面，便不可避免的存在着信息不对称现象。除了无法辨别互联网金融中信息的真假以外，互联网金融中还存在着严重的道德风险问题，交易的对方故意隐瞒公司的真实信息，加大对方的投资成本或者产品达不到对方的要求，这种信息的不对称性严重加剧了互联网金融的风险。With the progress of science and technology, in recent years, the Internet in China has achiev

2、ed rapid development, with an irresistible momentum quickly throughout the motherland, because of the convenience of the Internet, Chinas 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 definiti

3、on of Internet finance is, its essential attribute is still finance. Factors affecting the effect of financial transactions, such as transaction costs influence on financial, information asymmetrys 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. There

4、fore, 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 d

5、ue 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

6、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

7、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 companys 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-

8、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 t

9、he 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

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