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近年来,我国互联网金融飞速发展,但其蕴含的互联网和金融双重风险问题不容忽视。本文首先分析了互联网金融风险的特性,进而介绍了四类互联网金融的主要风险,包括信用风险、操作性风险、信息安全风险、法律法规风险等。最后为促进我国互联网金融健康、有序、可持续地发展。提出如下互联网金融风险防范及监督的对策:一是建立全面信用风险管理体系,二是多层面多角度控制操作风险,三是大力完善互联网金融的法律体系,四是完善互联网金融的监管体系。
In recent years, the rapid development of China’s Internet finance, but its implications of the dual risks of the Internet and finance can not be ignored. This paper first analyzes the characteristics of Internet financial risk, and then introduces the four main types of Internet finance risks, including credit risk, operational risk, information security risk, laws and regulations and so on. Finally, in order to promote the healthy, orderly and sustainable development of Internet finance in our country, Put forward the following measures to prevent and supervise the Internet financial risk: First, to establish a comprehensive credit risk management system; second, to control operational risks from multiple perspectives; third, to improve the legal system of internet finance; fourth, to perfect the regulatory system of internet finance.