我国互联网金融风险及风险监管研究

Risk and Risk Regulation Research of China's Internet Finance

近年来,互联网金融的蓬勃发展,给我国传统金融行业带来了强烈的冲击。互联网金融给人们带来便捷服务的同时,其相应的内在风险也不容忽视。作为一种新兴的金融服务,互联网金融兼具互联网和金融的双重特性,其风险远比互联网和传统金融更为复杂。本文对我国主要的互联网金融模式及其存在的风险进行了研究,探讨了其风险监管策略,以期为建立良性的互联网金融环境,促进互联网金融行业的健康发展提供参考。

In recent years, with the rapid development of Internet Finance, the traditional financial industry in our country has been strongly assaulted. When providing convenient services to people, the relevant internal risks brought by Internet Finance can not be neglected either. As an emerging financial service,Internet Finance has dual characteristic of the Internet and the finance, this is why the risks are more complicated than that of internet or traditional finance. The article develops research on the main pattern and its risks of our country's Internet Finance, discusses its risk regulation strategies, hoping to set up a well-behaved environment for Internet Finance, so as to provide some reference for the promotion of Internet financial industry's sound development.