国内互联网金融信用风险状况和发展路径浅析

Analysis of Domestic Internet Financial Credit Risk Status and Development Path

目前国内互联网金融行业风险事件高发,从根本上是由于国内互联网金融企业无法提高风险控制水平降低信用风险事件发生;互联网金融特有的商业模式尚未形成,仍然以传统金融业模式经营各类金融业务,不能有效提高金融市场效率,服务实体经济。本文试图从金融业本质出发,探究影响国内互联网金融健康可持续发展问题和障碍,解释国内互联网金融行业风险事件高发的原因,探索互联网金融行业未来发展路径,以求对互联网金融行业健康可持续发展提供一定参考。

At present,the domestic Internet financial industry high risk events,is fundamentally due to the domestic Internet financial enterprises to improve the level of risk control,reduce credit risk events,Internet banking has not yet formed a unique business model,the financial industry is still in the traditional mode of operation of various types of financial services,can effectively improve the efficiency of financial market,the service of the real economy,this paper tries to explore the impact of the financial industry essence,problems and obstacles in the domestic Internet financial health and sustainable development,explain the domestic Internet financial industry high risk events,explore the future development path of Internet financial industry,in order to provide reference for the healthy and sustainable development of Internet financial industry.