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随着互联网的迅猛发展,其技术已拓展到了金融业,网上银行、网上购物、网上借贷等已成为人们生活中经常进行的金融业务,“支付宝”等创新金融模式早已突破了传统的金融形式。但由于互联网技术的安全性有限、互联网金融形式的多样化、交易方式的虚拟化及法律法规的不完善、监管的缺失,使互联网金融的风险更加突出,其管理更加复杂,因此应完善相关的法律法规,加强对互联网金融的监管,以防范互联网金融的风险。
With the rapid development of the Internet, the technology has been extended to the financial industry, online banking, online shopping, online lending and other people’s lives have become the regular financial business, “Alipay ” and other innovative financial models have already exceeded the traditional financial form. However, due to the limited security of Internet technology, the diversification of Internet financial forms, the virtualization of transactional methods, the imperfect laws and regulations and the lack of supervision, the risks of Internet finance are more prominent and their management is more complicated. Therefore, the related Laws and regulations to strengthen the supervision of Internet finance in order to prevent the risk of Internet finance.