互联网消费金融风险管理研究

A Study on Risk Management on Internet Consumer Finance

互联网消费金融是以信息化手段进行的消费信用形式,是"互联网+"浪潮下的新兴市场,其优势在于利用互联网平台进行快速业务处理和数据分析,大大提升了消费金融的效率。但是,由于金融市场的特殊性和互联网信用的不完善性,互联网消费金融存在着技术、市场、信用等多重风险,影响着互联网金融市场的健康发展,因此,对于互联网消费金融的风险监管仍是当下亟待解决的重要问题。

Internet consumer finance is a type of credit consumption by means of information technology. As an emerging market in the wave of ＂ Internet ＋＂,its advantage lies in fast transaction treatment and data analysis over the internet,which has increased the efficiency of consumer finance greatly. However,various risks such as technology,market and credit,etc. are also threatening the development of the internet finance market due to the peculiarities of finance market and the imperfection of internet credit. Therefore,risk control over internet consumer finance is still an issue of great importance needing urgent solution at present.