互联网金融的风险管理与控制

Risk Management and Control of Internet Finance

随着计算机及互联网技术的迅猛发展,金融行业与互联网强强结合,进而催生了互联网金融。它在对传统金融造成一定冲击的同时,也给现代金融带来了诸多便利,满足了广大金融消费群体的新需求,但是新兴事物也往往伴随着更多的风险。首先阐述我国互联网金融面临的几种风险,继而对我国互联网金融风险管理落后于世界发达国家进行系统的归因分析,根据原因提出全面提升我国互联网金融风险管理和控制水平的对策及建议。

With the rapid development of computer and Internet technology,the combination of the financial industry and the Internet has given birth to Internet finance.While causing a certain impact on traditional finance,it also brings a lot of convenience to modern finance and meets the new demands of the vast financial consumer groups.However,emerging things are often accompanied by more risks.This paper first expounds several risks faced by China’s Internet finance,conducts a systematic attribution analysis of the fact that China’s Internet finance risk management lags behind the developed countries in the world,and puts forward countermeasures and Suggestions to improve the risk management comprehensively and control the level of China’s Internet finance according to the reasons.