我国互联网金融业风险监管问题和对策研究

Research on Risk Supervision and Countermeasures of Internet Finance Industry in China

互联网金融业作为新兴产业,对于完善我国的金融市场、促进经济的发展都有着极其重要的作用;但随着互联网金融业的快速发展,其弊端也逐渐显现出来。本文从互联网金融基本知识入手,通过分析我国近年来互联网金融风险与风险监管现状,发现我国在风险监管方面仍存在监管体系不完善、缺乏统一的准入标准等问题,然后从我国实际出发,结合国外互联网金融监管的有益经验,建立健全顺应国际发展趋势、适应金融市场发展、符合政策定位的互联网金融监管体系,以此准确把控互联网金融风险,促进我国互联网金融业健康有序发展。

As an emerging industry,the Internet finance industry plays an important role in improving Chi-na’s financial market and promoting economic development.However,with the rapid develop-ment of the Internet finance industry,its drawbacks have gradually emerged.Starting from the basic knowledge of internet finance,this paper analyzes the status quo of Internet financial risk and risk supervision in China in recent years,and finds that China still has problems such as im-perfect supervision system and lack of unified access standards in risk supervision.Then,based on the reality of our country,combined with the beneficial experience of foreign Internet financial supervision,we will establish and improve the Internet financial supervision system that conforms to the international development trend,adapts to the development of the financial market,and conforms to the policy orientation,so as to accurately control the Internet financial risk and promote the development of China's Internet finance industry healthy and orderly.