互联网技术与传统金融业的发展与进步,直接推动了互联网金融产业的诞生与发展,然而,互联网金融并不是互联网技术与金融业的简单结合。尽管互联网金融这个新兴的金融模式发展迅速,但在技术、操作、道德等层面尚存在着一定风险,其风险具有瞬时性、虚拟性、联动性、复杂性等特点。本文主要研究互联网金融模式存在的风险,并在此基础上提出有效的应对措施。 Internet technology and the development and progress of the traditional financial industry have directly promoted the birth and development of the Internet financial industry. However, Internet finance is not a simple combination of Internet technology and financial industry. Although the emerging financial model of internet finance is developing rapidly, there are still some risks in the aspects of technology, operation and morality. The risks are instantaneous, virtual, interlocking and complex. This article mainly studies the risks existing in the Internet financial model and puts forward effective countermeasures based on it.