互联网金融发展趋势与风险防范

Development Trend of Internet Finance and Its Risk Prevention

在互联网飞速发展的时代背景下,中国的金融业改革与创新举世瞩目,互联网金融也迅速发展,呈现出发展趋势多样化、发展模式持续创新、互联网金融社交化、银行业创新化、互联网企业市场化。互联网金融在快速发展中面临诸多风险。针对其诚信体系不完善、互联网信息安全面临巨大挑战、网络金融立法相对滞后等问题,应探寻防范对策,以使得互联网金融发展更加完善与健康。

Under the historical background of internet＇ s rapid development, Chinese financing reform and inno-vation has attracted attention from all over the world. Intemet finance also develops quickly and takes on severalcharacteristics：the development trend is various;the development mode keeps on innovation;internet finance be-comes more socialized;Banking takes more innovation;and internet enterprises become market-oriented. In its fastdevelopment,internet finance also faces lots of risks. Its credibility system is good enough;the internet informationsafety faces great challenges;and lawmaking about interact finance is relatively lagging behind etc. Aiming at theseproblems, it is necessary to explore the countermeasures to prevent these risks so as to make interact finance developperfectly and healthily.