互联网金融发展的存在的问题与对策介绍.doc

互联网金融发展的存在的问题与对策研究 目 录 摘 要 3 一、绪言 5 （一）研究背景 5 （二）研究意义 6 二、我国互联网金融发展的现状 7 （一）我国互联网金融发展的趋势 7 （二）我国互联网金融发展的规模 7 （三）我国互联网金融发展的影响 8 三、我国互联网金融快速发展的有利条件 9 （一）互联网金融发展空间较为广阔 9 （二）相对于传统银行机构业务简单 10 （三）社会经济效益成果空前巨大 10 四、我国互联网金融快速发展面临的问题 11 （一）安全风险问题加剧 11 （二）经营秩序较为紊乱 11 （三）监管体系尚不健全 12 五、我国互联网金融快速发展的对策措施 13 （一）构建互联网背景下的金融产品和对应服务管理平台 13 （二）开创多元化产品经营模式 14 （三）加强对互联网金融业务内容布置风险的监管力度 15 结 语 18 参考文献 19 摘 要 截止至今，互联网金融机制创新活动不断推进，其间包括第三方支付、人人贷等业务体系获得有力舒展，对于后期创新金融事业发展模式提出更加严格的技术规范要求和挑战任务。结合政府管理角度观察，互联网金融模式主要被限定在中小型企业资金问题和民间金融机构规范结果之上，内部监管活动从来不敢产生任何懈怠心理。对于业界整体来讲，互联网金融模式能够换取规模宏大的商业竞争机遇。因此，本文主要联合互联网金融发展潜力、与传统银行机制的对比下的优势条件以及后期社会效益等细节内容加以验证，同时回应一切安全、政策、经营风险遏制诉求，令此类项目在我国真正获得全面落实，推进社会经济秩序的有力规划以及协调。 关键词：互联网金融；机遇和问题；对策措施 Abstract ???? As of now, the Internet continues to advance financial mechanism innovation activities, during which include third-party payment, loan and other business systems to get everybody strong stretch for the late development of innovative financial model proposed more stringent technical specifications and challenge missions. Combining government management angle, the Internet is primarily limited financial model on small and medium enterprises and private financial institutions funding norms result, internal control activities could never produce any slack psychology. For the industry as a whole is concerned, the Internet banking model can scale the business in exchange for the opportunity to compete. Therefore, this article is mainly financial potential joint development of the Internet, compared with the traditional advantages of the condition of the banking system and other social benefits under and post the details to be verified, but to respond to all security, policy, operational risks curb appeal, make such projects in the country really get full implementation plan to promote a strong social and economic order, as well as coordination. Keywords: Internet banking; opportunities and challenges; planning model; convergence details; Value Form 一、绪言 互联网和