试析互联网金融风险防范与监管

Analysis on the Prevention and Supervision of Internet Financial Risks

对于西方发达国家的互联网金融行业而言,我国互联网金融业的起步较晚,所以其发展空间是巨大的。在我国互联网金融发展过程中,要加强互联网金融法规体系的建设,加强对互联网金融的安全保护,建立有效的互联网风险防范与监管机制,降低我国互联网金融风险的指数,推动互联网金融的长效、持久、健康、良性发展,为经济的发展做出贡献。本文首先从互联网金融的相关内容进行阐述,其次从三个方面指出了我国互联网金融风险形成的原因,最后从五个方面提出了我国互联网金融风险防范与监管对策,以切实提高互联网风险的防范水平,为相关工作者提供可靠的理论参考依据。

The Internet fi nance industry in our country started late Compared to the western developed countries,so the developing space in this area is huge.In the progress of China’s Internet fi nance,it is necessary to strengthen the construction of the Internet fi nance legal system and the security protection of Internet fi nance,establish effective Internet risk prevention and supervision mechanism,to reduce Internet financial risk index in China,and promote the long-term and sustained,healthy and sound development,and contributes to economic development.The article first elaborates on the relevant content of Internet finance,then points out the reasons for the formation of Internet finance risks in China from three aspects,and finally puts forward Internet finance risks prevention and regulatory countermeasures in China from fi ve aspects to effectively improve the level of Internet risk prevention,to provide reliable theoretical reference for relevant workers.