试论互联网金融的流动性风险与监管对策

The Liquidity Risk for Internet Financeand the Supervision Countermeasures

作为传统金融机构与互联网企业利用信息技术与之相结合的新型金融业务模式,互联网金融在近年发展迅速,但是在发展过程中其自身所具有的流动性风险及其他风险明显暴露,并阻碍了该行业的长远发展。尤其是流动性风险作为一种互联网金融行业与传统金融行业所共同具有的常规性风险,通过互联网内部传导与外部环境的结合导致危害形成的可能性增加。为了有效防范互联网金融风险应依据流动性风险传导过程加强资金流向的管理、加强数据分析自我监管、分类防控互联网金融风险、明确监管和金融创新分界以及完善互联网金融监管体系。

Internet finance,a new financial business model which traditional financial institutions integrated with Internet companiesusing information technology,has developed rapidly in recent years.However,in the process of its development,its own liquidity risk and other risks have been exposed,which has hindered the long-term development of the industry.In particular,liquidity risk is a common risk shared by the Internet finance industry and the traditional financial industry,so Internet transmission combined withexternal environment resulting in the increase of the possibility ofharm.In order to effectively prevent Internet financial risks,we should strengthen the management of capital flow according to the process of Internet financial liquidity risk transmission,enhance data analysis and self-regulation,classify and prevent Internet financial risks,clarify the boundaries between supervision and financial innovation,and improve the Internet financial supervision system.