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作为互联网技术与金融服务全面结合的产物,互联网金融不但承接了传统金融的信用风险、市场风险和流动性风险,还必须经受互联网信息技术引起的信息科技风险、虚拟金融服务引起的业务操作风险以及外部监管及法律规范滞后引起的法律风险的考验。需要商业银行未雨绸缪,提早研判,主动治理。本文结合互联网金融创新的风险诱因和传导路径、监管部门的风险容忍度与监管趋势,分别从宏观与微观层面提出对策建议。
As a comprehensive combination of Internet technology and financial services, Internet finance not only inherits the credit risk, market risk and liquidity risk of traditional finance, but also must withstand the information technology risks caused by Internet information technology, the operational risks caused by virtual financial services and External regulatory and legal norms lag caused by the legal risk test. Commercial banks need to take precautions, early judgment, take the initiative. Based on the risk inducement and transmission path of Internet financial innovation, risk tolerance and regulatory trend of regulatory agencies, this paper proposes countermeasures and suggestions from macroscopic and microcosmic perspective respectively.