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互联网时代为众多领域带来了技术革新,包括传统金融行业也面临着前所未有的机遇和挑战,互联网金融是伴随互联网的发展和金融行业的革新而产生的新型金融模式,在监管跟不上行业发展的情况下,互联网金融很有可能叠加金融业风险和互联网风险的双重风险。本文简单分析了互联网金融发展的现状,进而阐述了互联网金融发展中存在的风险隐患,包括信息安全和技术风险,网络金融业务风险以及法制监管性风险等,基于这些风险隐患提出了互联网金融行业的相关监管防范措施,利用网络技术加强信息安全,规范行业业务体系并加强法治体系建设,明确监管职能等。
The Internet era has brought about technological innovations in many fields, including the traditional financial industry, which is also facing unprecedented opportunities and challenges. Internet finance is a new type of financial mode that accompanies the development of the Internet and the reform of the financial industry. It can not keep up with the development of the industry , Internet finance is likely to superimpose the dual risks of financial and Internet risks. This article simply analyzes the status quo of the development of Internet finance, and then elaborates the hidden risks in the development of Internet finance, including information security and technology risks, online financial business risks and legal regulatory risks. Based on these hidden dangers, Relevant regulatory measures to prevent the use of network technology to enhance information security, standardize the industry business system and strengthen the rule of law system, a clear regulatory functions.