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互联网和金融都在朝着深度融合的方向发展,无论是货币还是货币政策,都预示着互联网金融时代的到来。创新金融模式主要是使用了互联网信息和通讯技术运用到互联网工具中来,而本质上互联网金融还没有脱离金融的领域。鉴于国家法律情况,互联网信息技术的非正式金融应用最突出的成就是诸如第三方支付模式、P2P借贷模式和众筹资金等金融创新模式的出现。基于国内法律的规定,互联网金融不是交易的角度,而是监管的缺失。互联网金融的发展也带来了风险,也带来了金融安全风险。加大互联网金融监管已逐渐成为国内外金融监管机构的共识。
Both the Internet and finance are moving in a direction of deep integration. Both monetary and monetary policies are indicative of the advent of the Internet finance era. Innovative financial models have used mainly Internet information and communication technologies for use in Internet tools. In essence, Internet finance has not yet out of the realm of finance. In the light of national law, the most prominent achievements of informal financial applications of Internet information technology are the emergence of financial innovation models such as third-party payment models, P2P lending models and crowdfunding funds. Based on domestic law, internet finance is not a transactional perspective, but rather a lack of regulation. The development of Internet finance has brought risks as well as financial security risks. Increasing Internet financial supervision has gradually become the consensus of domestic and foreign financial regulatory agencies.