互联网金融的本质与传统金融一致,互联网金融也存在不同于传统金融的特点。现有金融监管不利于全面监管互联网金融风险。本文认为,决策者在谋划互联网金融监管方案时要充分关注互联网金融的科技属性,以及科技属性对互联网金融运营成本和经营理念及行为的影响,进而采取更具针对性的金融监管措施。 The nature of Internet finance is consistent with that of traditional finance, and Internet finance also differs from traditional finance. The existing financial regulation is not conducive to the full supervision of Internet financial risks. This paper argues that when planning for Internet financial regulatory programs, policymakers should pay full attention to the scientific and technological properties of Internet finance, as well as the impact of technological properties on Internet financial operation costs and business philosophy and behavior, and then take more targeted financial regulatory measures.