我国互联网金融发展现状与对策研究

The Current Situation of Internet Finance and Countermeasures in China

便利性、快捷性以及高效性是如今快节奏的社会发展和人们生活工作对金融业务提出的具体要求,互联网金融是传统金融行业发展的必然趋势,前景十分可观、潜力巨大。但由于互联网金融诞生的时间较短,同样面临传统金融行业需要面对的市场风险和操作风险,由于其尚处于起步快速发展期导致技术水平以及技术规范不够完善,且对其行业的监管制度以及市场规范制度等配套工作不够完善和成熟,为促进互联网金融向良性、健康的方向发展,需进一步提高互联网金融行业的风险意识和业务能力,加强互联网金融行业的相关立法工作,完善互联网金融行业市场监管和行业规范体制,提高互联网金融技术职业标准以及进一步提升互联网大环境和金融行业环境的安全系数等。

Convenience, quickness and high efficiency is the specific requirements of the fast-paced social development and people live and work on financial business.The Internet financial is the inevitable trend of traditional financial industry development, and its foreground is very considerable and has huge potential.But due to the shorter birth time, the Internet finance also faces the same market risk and operational risk as traditional financial industry.It＇s still in the initial period, so the technical level and specification is imperfect,and the supporting work of supervisory system and market regulation systemis not perfect and mature.In order to promote the benign and healthy Internet financial development, the government should further raise the risk awareness and business ability, strengthen the legislation, improve the market regulation and industry standard system, enhance the professional standards, and upgrade the Internet environment and the safety factor.