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互联网金融在监管、法律以及与传统银行业竞争等方面面临着巨大的风险,而且难以控制。不可否认,互联网金融对传统金融业已经形成了鲶鱼效应,但隐藏其后的互联网金融风险依然令人谈虎色变。纵然蓬勃之势已然显现,但由于互联网金融尚处于幼年,其所在的市场环境还不成熟,市场监管也有待完善,互联网金融产品业务以及运营都在不断探索的过程中。因此,从上述几个方面来说,风险都不同程度地存在。总的来说,互联网金融行业面临着安全、金融以及创新的风险。
Internet finance faces enormous risks in regulation, law and competition with traditional banking, and is difficult to control. It is undeniable that Internet finance has already formed a catfish effect on the traditional financial industry. However, the risks of Internet finance hidden in the future are still at a loss. Although the booming trend has already appeared, as the Internet finance is still in its infancy, the market environment in which it is located is still immature, the market regulation still needs to be perfected, and the Internet financial products business and operations are constantly exploring the process. Therefore, from the above aspects, the risks exist to varying degrees. In general, the Internet finance industry faces the risks of security, finance and innovation.