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当前互联网金融发展迅速,成为金融发展的新亮点,但由于互联网金融业存在特有的风险,且监管较为困难,使其也蕴藏着诸多市场风险。虽然当前的互联网金融监管方式已有改进,但仍存在监管漏洞,亟须研究并完善,以实现互联网金融风险监管全覆盖。互联网金融的特有风险目前各类互联网金融企业如P2P、众筹等良莠不齐,风险事件频发。这些风险既具有传统金融风险特征,也具有互联网业态的特点,需要特定的风险管理模式。
At present, the rapid development of Internet finance has become a new bright spot in financial development. However, due to the unique risks in the Internet finance industry and the relatively difficult regulation, it also poses many market risks. Although the current internet financial supervision mode has been improved, there are still regulatory loopholes. Therefore, it is urgent to study and improve it in order to achieve the full coverage of Internet financial risk supervision. Peculiar risks of Internet finance At present, various types of Internet financial enterprises such as P2P and crowdfunding have mixed risks and risk-taking activities. These risks not only have the characteristics of the traditional financial risk, but also have the characteristics of the Internet format, the need for a specific risk management model.