互联网金融行业信用风险分析及防控改进对策探究

Research on Credit Risk and Prevention and Control and Improvement Countermeasures of Internet Finance Industry

随着信息技术的不断发展,互联网与传统金融的有机结合初步踏上舞台。互联网金融是一种新型金融业务模式,主要是指传统金融机构和互联网企业通过使用互联网和信息通信技术的方式,从而完成资金融通、支付、投资和信息中介服务。但最近几年,随着互联网金融的不断发展,国内互联网金融行业风险事件高发,其风险问题逐步浮现在公众面前。

With the continuous development of information technology,the organic combination of internet and traditional finance has initially set foot on the stage.Internet finance is a new financial business mode.It mainly refers to the traditional financial institutions and internet enterprises complete the financing,payment,investment and information intermediary services through the use of the internet and information communication technology.However,in recent years,with the continuous development of internet finance,risk incidents in the domestic internet finance industry have occurred frequently,and its risk problems have gradually surfaced in front of the public.