本文细化总结了我国互联网金融创新发展过程中的风险暴露,包括信用违约风险、流动性风险、加大金融市场的系统性风险以及部分难以监管、缺乏监管的互联网金融贷款流入楼市等,并指出了上述风险的成因和现状。同时,本文指出目前我国的互联网金融创新风险还没有形成错综复杂的风险网络,不至于引发金融危机。 This paper detailedly summarizes the risk exposures in the process of innovation and development of Internet finance in our country, including the credit default risk, liquidity risk, the systemic risk of increasing financial market, the partly difficult to supervise and the lack of supervision of internet finance loan flowing into the property market, The causes of the above risks and the status quo. At the same time, this article points out that at present our country’s internet financial innovation risk has not formed a complicated risk network, which will not trigger the financial crisis.