互联网金融创新背景下新型金融监管模式的研究

Research on the New Financial Supervision Mode Under the Background of Internet Financial Innovation

在信息传输技术高速发展的背景下,以互联网迅速普及为标志的信息技术浪潮,对各行各业都造成了前所未有的影响。作为对信息服务高度敏感的行业,金融行业的活动中涉及海量的信息流动,因此金融业也面临巨大的挑战,促使传统金融业务模式逐渐向互联网金融模式转变。互联网金融的发展对于金融创新起到了巨大的推动作用,实现了金融创新的多样化,但是其带来的金融风险也为我国的金融监管造成了困扰。通过分析互联网金融创新与金融监管的相互影响、互联网金融监管的发展进程及面临的问题,提出完善我国互联网金融监管制度的对策。

In the context of the rapid development of information transmi-ssion technology,the wave of information technology marked by the rapid popularization of the Internet has had an unprecedented impact on all walks of life.As a highly sensitive industry to information services,financial activities involve massive information flow,so the financial industry has also been greatly challenged,making the traditional financial business model gradually change to the Internet financial model.The development of Internet finance has played a huge role in promoting financial innovation,but the financial risks it brings have also caused problems for China’s financial supervision.By analyzing the interaction between Internet financial innovation and financial supervision,the development process and problems of Internet financial supervision,this paper puts forward countermeasures to improve China’s Internet financial supervision system.