互联网时代的金融风险及其防范措施研究

A Study on the Financial Risks and Preventive Measures in the Internet Era

互联网在改变金融业态的同时,也使金融体系面临更多风险,包括"长尾"客户风险、去中心化风险、平台风险、技术风险、信息风险等互联网时代的特有风险。相应地,金融安全在互联网时代面临更多挑战。为应对互联网金融风险,应在传统金融安全措施中加入互联网要素,金融安全网、大数据征信、穿透式监管、平台监管与智能风控构成互联网时代的金融安全措施。

The internet bring additional financial risks while it changes financial forms,such as risk of long-tail customers,risk of decentration,risk of platform,risk of technology and risk of information.There are more challenges when safeguarding financial security in internet era.Internet factors should be added in traditional financial security measures to deal with financial risk.The financial security measures of the internet era should conclude financial safety net,credit reporting with big data,penetration regulation,platform regulation and intelligent risk control.