互联网金融风险及防范的法律对策

Internet Financial Risks and Legal Countermeasures

互联网金融作为新业态,是互联网技术与金融创新的新发展。互联网金融不同于传统金融,发展历程比较短,呈现了网络支付、互联网保险、数字货币、互联网基金销售、P2P网络借贷、众筹、互联网信托、互联网消费金融等模式。互联网金融伴随着法律风险、行业风险、技术风险、信息不对称风险等,应该从互联网金融风险宣传、完善相关立法、加强行政监管、强化自律经营、技术化解等措施防范互联网金融风险,确保互联网金融稳健发展。

As a new business form,Internet finance is a new development of Internet technology and financial innovation.Internet finance is different from traditional finance and has a relatively short development history.There are network payment,internet insurance,digital currency,internet fund sales,P2P network lending,crowdfunding,internet trust,internet consumer finance and other modes.Internet finance is accompanied by legal risk,industry risk,technology risk and information asymmetry risk.We should take measures to prevent internet financial risks,such as internet financial risk publicity,improving relevant legislation,strengthening administrative supervision,strengthening self-discipline operation and technical solution,so as to ensure the steady development of Internet finance.