互联网金融风险问题研究综述

An Overview of the Research on Internet Financial Risk

互联网与金融进行的融合不仅使传统金融的运营方式发生了改变,而且使其发展出了一种新的金融业态。互联网金融从无到有、从萌芽到快速发展,显现出许多新特征,其中包括新的风险特征。由于监管制度建设存在时间成本问题及一定程度的时滞性,使得对互联网金融的监管未能跟上其业务层面创新发展的速度。互联网金融在发展过程中存在一系列潜在性风险,部分甚至引起严重的风险暴露问题,引起了社会及学界的广泛关注。以全面的视角对互联网金融的风险研究进行系统的梳理,从互联网金融的内涵、运营、商业模式、政策体系等方面探讨互联网金融风险,深入系统地研究互联网金融的一般规律和特殊风险以及理论研究趋势。

The integration of Internet and finance has not only changed the way of operation of traditional finance,but also made it develop a new financial format.Internet finance has emerged from scratch,from sprouting to rapid development,showing many new features,including new risk characteristics.Because of the time cost problem and a certain degree of time delay in the construction of the regulatory system,the supervision of Internet finance has not been able to keep up with the speed of innovation and development at its business level.There is a series of potential risks in the development process of Internet finance,and even some serious risk exposure problems are caused by the Internet,which has aroused widespread concern in the society and the academia.This research systematically combs the risk research of Internet finance from a comprehensive perspective,discusses the Internet financial risks from the connotation,operation,business model and policy system,and studies the general rules and special risks of Internet Finance and the trend of theoretical research.