Abstract：It is of great significance to study the optimization of China’s financial structure. The analysis from the perspective of the technological supply of Internet finance reveals: the innovative Internet financial instruments break traditional financing patterns, accelerates the development of direct financing system, and thus affects the financial structure; Internet finance diverts deposits and loans from commercial banks, squeezes the margin of banks, and thus affects the financial structure as traders can only raise less money from banks; Internet finance pushes traditional brokerages to turn to differentiation and sophistication, to improve their resource allocation function, and to promote multi-level development of capital market, and thus affects the financial structure. The analysis from the perspective of Internet finance demand creation indicates: Internet finance develops potential financial demands, increases the overall scale of financial demand, and thus affects the financial structure. Therefore, on one hand, Internet financial enterprises should be encouraged to continue innovation to promote the development of Internet financial industry. In the meantime, discreet supervision should be exercised over Internet finance to ensure its healthy development.
滕超，叶蜀君. 互联网金融发展对我国金融结构的影响分析[J]. 《深圳大学学报》（人文社科版）, 2016, 33(6): 97-101.
TENG Chao, YE Shu-jun. Impact of Internet Finance on China’s Financial Structure. , 2016, 33(6): 97-101.
2016, Vol. 33 
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