互联网金融风险及风险管理研究

Research on Internet financial risks and risk management

互联网金融作为全新的融资模式,是金融与互联网科技深入融合的产物,其不仅为传统金融提供了诸多方便,弥补了传统金融的缺陷和不足,而且为金融市场注入了活力。基于多方面因素所限制,互联网金融也存在一定的风险。在此背景下,文章主要分析第三方支付、P2P网贷、大数据金融、众筹、信息化金融机构等互联网金融模式,深入探究了业务、管理、诚信、流动、信息方面的风险,并提出互联网金融风险管理的措施。

As a new financing mode,Internet finance is the product of the in-depth integration of finance and Internet technology.It not only provides many conveniences for traditional finance,makes up for the defects and deficiencies of traditional finance,but also injects vitality into the financial market.Limited by many factors,Internet finance also has certain risks due to various factors.In this context,this paper mainly analyzes the Internet financial models such as third-party payment,P2P online loan,big data finance,crowdfunding,and information financial institutions,deeply explores the risks in business,management,integrity,flow,and information,and proposes measures for Internet financial risk management.