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21世纪以来,随着我国互联网的快速发展,并伴随着电子商务的迅速崛起,互联网技术与思维融入金融行业中,快速形成了不同种类和形态的的互联网金融产品。互联网金融模式为广大消费者及投资者带来了极大的便利性。而在互联网金融的发展过程中,有各种各样的问题出现,为了互联网金融良好有序的发展,必须解决其中出现的一系列问题。本文拟从互联网金融的概念、特点入手,在分析我国互联网金融发展历程和现状的基础上,总结出我国互联网金融发展存在的一些问题,并针对问题提出相应的对策建议,我国应尽快健全互联网金融制度并完善相关的法律体系,明确监管主体,加大对互联网金融消费者及投资者权益的保护,加大对互联网安全技术的研发,鼓励创新互联网金融服务及产品。进而完善金融风险管理,降低互联网金融风险,减少问题的出现,促进我国互联网金融的健康发展。
Since the 21st century, with the rapid development of the Internet in our country and accompanied by the rapid rise of e-commerce, Internet technology and thinking have been integrated into the financial industry, rapidly forming different types and forms of Internet financial products. Internet financial model for the vast number of consumers and investors brought great convenience. In the course of the development of Internet finance, various problems have emerged. In order to have a sound and orderly development of Internet finance, a series of problems must be solved. Based on the analysis of the development course and current situation of Internet finance in our country, this paper summarizes some problems existing in the development of Internet finance in our country and puts forward corresponding countermeasures and suggestions according to the problems. Our country should improve Internet finance as soon as possible System and improve the relevant legal system, clearly regulate the main body, increase the protection of the rights and interests of Internet financial consumers and investors, increase research and development of Internet security technology and encourage the innovation of Internet financial services and products. Further improve financial risk management, reduce the financial risks on the Internet, reduce the emergence of problems and promote the healthy development of Internet finance in China.