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近年来,以金融网销、第三方支付、P2P网络借贷、众筹融资、电商小贷等为代表的互联网金融迅猛发展,成为传统金融服务体系的有益补充。以余额宝为例,截至2014年2月末,余额宝用户数已突破8100万,与之对接的天弘基金规模已突破5000亿元。与此同时,由于相关法律法规、监管制度的缺失,互联网金融发展过程中出现了一些不容忽视的问题,多种风险隐患正在积聚。
In recent years, the rapid development of Internet finance, represented by financial network marketing, third party payment, P2P network lending, crowdfunding financing, e-commerce and small loans, has become a useful supplement to the traditional financial service system. Take YuBaoBao as an example, as of the end of February 2014, YuBaoBao has exceeded 81 million subscribers, and the docking scale of its Tianhong Fund has exceeded 500 billion yuan. At the same time, due to the lack of relevant laws and regulations and the regulatory system, some problems that can not be ignored in the development of Internet finance have emerged. Various hidden dangers are accumulating.