正式契约的第三方实施与“互联网+票据”业务的风险分析

Third-party Implementation of Formal Contracts and Risk Analysis of Internet + Instruments Business

互联网金融的资金供求双方以及互联网金融平台经营者大多都缺乏足够的金融专业知识、金融风险防范技术与必要的手段,容易导致其夸大宣传,尤其是投资的羊群效应还会进一步放大其本已夸大的宣传效应而吸引更多投资者追捧;目前国家对互联网金融方面的监管和法规均较为薄弱,"互联网+票据"的运作仍处于一些中介、企业以自我方式履行契约状态,导致道德风险之类的机会主义很难避免,解决的办法理当是加强规制,以便第三方能够公开公平公正地履行正式契约,全面提升履行契约的能力、质量和效率以有效防控"互联网+票据"业务风险。

As far as the supply and demand sides of internet financing and managers of internet financing platform are considered, most of them are short of enough finance knowledge, risk protection techniques and necessary measures, which led to the exaggeration of propagation, especially with the ＂Herd Effect＂ and attract more investors to follow. Nowadays, the supervision and rules of interuet finance are weak in China. The operation of Internet ＋ Instruments Business is still under the control of certain brokers and enterprises who implement the contracts at their willing, which means it is hard to avoid some opportunism like moral hazards. The measures to solve the problem are as follows： we should strengthen the law and rule so as to the third-party can operate formal contracts fairly and justly, which can entirely promote the ability, quality and efficiency to fulfill contracts and efficiently prevent the risk of Internet ＋ Instruments business.