互联网金融风险成因及监管对策——由e租宝非法集资事件引发的思考

An Analysis on the Reasons for Internet Financial Risk and the Related Supervision Countermeasures——Based on the Illegal Fund-raising Event by E-zubao

互联网金融的快速发展,促进了金融业的创新发展,提高了资金融通效率,但同时互联网金融带来的风险对社会稳定及经济发展危害巨大。本文通过对当前互联网金融业蕴含的监管风险、安全风险、市场风险、道德风险、认知风险及产生该五种风险的内外因进行分析,最后就如何强化互联网金融风险监管提出政策建议。

The rapid development of Internet finance has promoted the innovative development of the financial industry and improved the efficiency of financing. But, meanwhile, the risks brought by Internet finance do great damage to social stability and economic development. This paper aims to analyze the potential risks in the current Internet finance such as supervision risk, security risk, market risk, moral risk and perceived risk as well as the internal and external factors leading to these risks. Finally, some suggestions will be put forward on how to strengthen the Internet financial risk supervision.