互联网金融风险的特殊性及其监管策略研究

Study on Specific Risk and Regulatory Strategy of Internet Finance

互联网向金融领域的不断渗透,扩大了金融服务的边界与市场,给传统金融市场带来强烈"鲶鱼效应"。但互联网金融由于存在虚拟化、信息技术装备依赖、安全系统欠缺或失误以及法律监管与缺失等问题,其风险管理比传统金融具有更大的复杂性。笔者在考查互联网金融各种模式类别特点的基础上,重点分析了与传统金融相比互联网金融风险的复杂性与特殊性,并从互联网技术特点、虚拟化、业务操作过程、法律法规、政府监管以及行业自律等层面,提出了风险防范与监管对策。

The combination of Internet and financial expands the boundaries of financial services and brings ＂catfish effect＂ to the financial market. However, due to the virtualization, information technology, security system and lacking of legal and regulatory issues, the risk management of internet finance has greater complexity than traditional finance. Based on analyzing the feature and specific risk of different internet finance mode, the paper proposed risk prevention and regulatory strategies for the internet finance development.