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随着电信业务和互联网业务涉及的范围越来越广,利用网上平台进行贷款、大众集资等互联网金融产品纷纷迎合时代潮流被推广至社会大众面前,推动了整个互联网金融的发展与壮大。现今的互联网金融产品相较于传统金融产品与服务,便利性、有效性大大增强,但收益往往伴随着风险而生。本文通过分析互联网金融的发展现状及相伴产生的风险,对如何有效保护金融消费者的合法权益提出相关对策和建议。
With the increasing scope of telecommunications business and Internet business involved, Internet financial products such as loans and public fundraising using the online platform have all been extended to the general public in response to the trend of the times and have promoted the development and expansion of the entire Internet finance. Compared with the traditional financial products and services, today’s Internet financial products greatly enhance the convenience and effectiveness, but the benefits often come with risks. This paper analyzes the status quo of Internet finance and the risks associated with it, and puts forward countermeasures and suggestions on how to effectively protect the legitimate rights and interests of financial consumers.