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互联网金融是全球金融发展的趋势所在。我国的互联网金融正处于方兴未艾时期,不同业态的互联网金融各显特色,在互联网与金融业的深度融合基础上产生了强大的功能。互联网金融不仅改变着人们的生活,也推动着经济的蓬勃发展。然而,互联网金融作为时下流行的金融变革模式也衍生出许多风险因素,如何理性开展互联网金融,发挥创新的金融变革方式的优势是当前金融体系健康发展面临的现实问题。本文意在揭示互联网金融衍生的风险,并从监管角度提出防范的策略。
Internet finance is the trend of global financial development. Internet finance in our country is in the ascendant period. Different characteristics of Internet finance have different characteristics, which has produced powerful functions based on the deep integration of Internet and financial industry. Internet finance has not only changed people’s lives but also boosted the economy. However, Internet finance as a popular financial transformation model also has many risk factors. How to develop Internet finance rationally and give full play to the advantages of innovative financial reform are the realistic problems facing the healthy development of the current financial system. This article is intended to reveal the risks arising from the Internet finance and propose preventive measures from a regulatory point of view.