随着互联网金融交易规模的不断壮大,经营模式不断创新,产品日益丰富,对国家经济的影响也日益深刻。对待互联网金融创新在保持积极的态度,更需要注重监管,严防金融风险。本文对我国互联网金融发展及监管存在的问题进行了客观的分析,同时借鉴美国和欧洲等发展国家的监管模式,对我国互联网金融的发展和监管给予相关建议。 With the growing scale of the Internet financial transactions, the business model is constantly innovated, the products are increasingly enriched, and the impact on the national economy is also increasingly profound. To maintain a positive attitude towards Internet financial innovation, more attention needs to be paid to supervision and prevention of financial risks. This article objectively analyzes the problems in Internet finance development and regulation in our country. At the same time, it draws lessons from the regulatory models of developing countries such as the United States and Europe and gives advice on the development and regulation of Internet finance in our country.