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就金融行业来讲,行业创新与行业监管间存在着十分剧烈的矛盾,这是对金融监管传统手段滞后性的突出表现。随着互联网的发展和普及,互联网金融平台大量涌现出来,这是互联网发展与金融产业相融合的积极创新,其在表现出巨大优势的同时,也带来了一系列的法律风险。研究互联网金融创新下的法律风险,来进一步完善法律监管,对于互联网金融的良性、健康发展极具现实意义。
As far as the financial industry is concerned, there is a very violent contradiction between industry innovation and industry regulation, which is a prominent manifestation of the lag of the traditional means of financial regulation. With the development and popularization of the Internet, a large number of internet financial platforms have emerged. This is a positive innovation in the integration of the Internet with the financial industry. While it shows great advantages, it also brings a series of legal risks. Studying the legal risks under the innovation of Internet finance to further improve the legal supervision is of great practical significance for the healthy and sound development of Internet finance.