论我国互联网金融的风险现状及监管对策.pdfVIP

论我国互联网金融的风险现状及监管对策 商学院 财务管理 财管121本 叶佩云 指导老师：李敏 摘要：随着我国经济及金融市场的飞速发展，近年来互联网金融发展势头迅猛，不断创新各种模式，新兴业 务不断涌现，交易规模呈现几何增长态势，作为时下最热门的融资形式，互联网金融受到了空前的追捧，给经济发 展带来了诸多良机，给人们的生活带来了诸多便利，但我国互联网金融的发展历程远远短于欧美发达经济体，在 我国尚属新生事物，尚存在着许多不足并伴随着各方面的风险，由于目前P2P跑路多、非法集资等引发了我们的思 考。本文 及我国互联网金融发展现状及历程，概括当前互联网金融主要模式，对比国外互联网金融发展，得出结 论：虽然我国互联网金融发展空间大、速度快等特点，但是缺乏监管机构及法律规范，互联网金融还有待提升风险 管控及监管，并提出相关建议，以提高中国金融市场效率和国际竞争力为政策目标，加强监管，完善服务。 关键词:互联网金融、发展现状、风险现状、监管对策 On the risk status and Supervision Countermeasures of Internet banking in China School of business financial management 121 Peiyun Ye Instructor: Li Min Abstract: with the rapid development of Chinas economy and financial markets, in recent years, Internet banking development momentum of rapid, the mode of innovation, new business emerging, transaction size presents a geometric growth, as nowadays the most popular form of financing, Internet banking has been unprecedented popularity, has brought many opportunities to the development of economy, it has brought a lot of convenience for the peoples life, but Internet banking as a new thing. There exist many problems and is accompanied by the risk. Firstly, this paper briefly describes the concept of Internet banking in China, summarizes the current Internet banking as emerging industries of the main mode and development status, and analyzes the risk caused by are exposed in the process of development problems and lack of supervision, the network of financial virtualization, after on the basis of this proposed regulatory measures, so as to promote the steady development of Chinas Internet banking. Key words: Internet banking, the development of the status quo, the risk of the status quo, regulatory measures 一、互联网金融概述及发展历程 （一）互联网金融概述 当前，以互联网为代表的互联网科技，诸如云端、大数据分析、搜索引擎、社交平 台等众多平台，正以指数爆炸的状态不断拓宽涉及的领域，这一影响在金融领域显得 尤为明显，而在金融服务的需求不断呈现多样化、复杂化，传统金融行业的运营成本 不断地加