互联网金融监管的方向与路径研究

Research on Internet Financial Supervision Direction and Path

近年来,互联网金融作为一种全新的金融模式,在我国呈现出强劲的发展势头,正日益成为我国金融体系的重要补充。然而,金融创新与金融风险休戚相关,虽然互联网金融在便利人们日常生活、改善小微企业融资环境、优化金融资源配置、提高金融体系包容性、促进普惠金融高速发展、加快经济转型升级以及推动实体经济发展等诸多方面都发挥着正向激励作用,但是也面临着除传统金融风险之外的独特风险,这无疑增加了传统金融监管的难度以及监管盲点。当前,在"云物大智"技术不断突破的知识经济时代背景下,如何破解互联网金融监管的难点与盲点,既能保障金融的包容性创新,促进互联网金融可持续性发展,又能达到金融监管的目的,实现适度监管,守住触发金融系统性风险爆发的底线,当务之急就是大力强化互联网金融监管的方向与路径研究。

In recent years, the Internet ifnance as a new ifnancial model, in our country, showing a strong momentum of development, is becoming an important supplement of the ifnancial system in china. However, ifnancial innovation and ifnancial risks be bound together in a common cause, although the Internet in ifnancial convenience people daily life Small and micro businesses, improve the financing environment, optimize the allocation of financial resources, improve the ifnancial system, promote the rapid development of inclusive, inclusive ifnance plays a positive incentive effect to accelerate economic transformation and upgrading and promoting the development of real economy and many other aspects, but also face unique risk in addition to the traditional ifnancial risks, and this will undoubtedly increase the dififculty of the traditional ifnancial supervision and regulatory blind. At present, in the ＆quot;continue to break through the clouds Dazhi＆quot; technology under the background of knowledge economy era, how to solve the Internet financial regulatory dififculties and blind spots, which can not only ensure the inclusive of ifnancial innovation, the promotion of Internet ifnancial sustainable development, but also can achieve the purpose of ifnancial supervision, implementation of appropriate supervision, hold the trigger the ifnancial systemic risk outbreak the bottom line, a pressing matter of the moment is to strengthen the research on Internet ifnancial supervision direction and path.