随着互联网技术的飞速发展,互联网与金融的融合日益深化,已深深嵌入到人们的日常生活,第三方支付、网络信贷、网上银行等互联网金融迅猛发展,对国家经济发展、个人生活的影响日益增大,同时互联网金融风险也日益呈现出来,对国家的金融政策和消费者的权益产生重要影响。本文通过对互联网金融发展过程中体现出的特点进行分析,就互联网金融健康发展提出相关监管建议。 With the rapid development of Internet technology, the integration of Internet and finance is deepening day by day. It has been deeply embedded in people’s daily life. The rapid development of Internet finance such as third-party payment, online credit and Internet banking has an impact on the country’s economic development and personal life Is increasing day by day. At the same time, the risk of Internet finance is increasingly presented, which has a significant impact on the country’s financial policies and the rights and interests of consumers. This article analyzes the characteristics of the development of internet finance and puts forward relevant regulatory advice on the healthy development of internet finance.