互联网金融发展现状与风险防范研究

Research on the Status Quo of Internet Financial Development and Risk Prevention

通过对互联网金融内涵、业务模式、发展现状和风险等多角度多方面的分析探讨,认为互联网金融的内涵主要涉及信息技术与金融的结合、普惠金融和长尾理论等概念,并且存在监管与法规风险、信息安全风险、信用风险、资金安全风险、流动性风险以及特殊风险等。因此,为维护互联网金融体系稳健运行,其监管思路应体现包容性、开放性和适应性,坚持鼓励与规范并重、培育与防险并举,构建包括法制建设、市场自律和外部监管"三位一体"的完整体系。

This paper analyzes the Internet financial connotation,the business model,the development situation and risks,and states that the connotation of Internet finance mainly involves the combination of information technology and finance,the concepts of inclusive finance and Long Tail Theory,and that there are regulatory and legal risks,information security risks,credit risk,financial security risks,liquidity risk and special risks. Therefore,in order to maintain the sound operation of the Internet financial system,its regulatory thinking should reflect the openness,inclusiveness and adaptability,insist on ＂stressing both encouragement and normalization,fostering market and guarding against risks simultaneously ＂, and construct a three-in-one complete system including legal system construction,market self-discipline and external supervision.