互联网金融风险的研究.docVIP

互联网金融的风险与防范研究 摘 要 进入新世纪以来，随着互联网的普及和移动通信技术的发展，互联网金融越来越受到人们的关注和使用，这使得传统的金融模式和消费模式正在向互联网金融行业转变，从而推动了互联网金融的发展和变革。联网金融从产生到发展到现在的情况，都出现了很多与传统金融部同的地方，其中互联网金融风险就是不同于传统金融风险的主要特征之一。由于受到相关的监管制度的影响，使得互联网金融在发展的过程中出现了很多的风险，这些风险又不同于相关的实体金融一样，可以利用传统金融的风险对策进行相关的预防和处理，对于互联网金融风险预防和处理，首先就要考虑的是其风险的及时性和蔓延的社会性，对于这些问题，目前已经引起了很多专家和学者的注意，也采取了一些办法进行互联网金融风险的预防。但是，随着互联网金融发展的同时，也使得人们更加担心互联网金融带来的安全问题和个人隐私等方面的影响，因此，本文立足于这样的环境下，分析现阶段互联网金融存在的风险和原因，在未来的发展中，在面对这些风险的适合，相关的企业和监管部门应该采取什么样的手段进行预防，从而引导互联网金融更好更快的发展，这也是本文研究的原因。 关键字：互联网金融，风险，防范 Research on the risk and prevention of Internet Finance Abstract Since entering the new century, with the popularity of the Internet and mobile communication technology, Internet banking has attracted more and more attention and use of people, which makes the traditional financial model and consumption patterns are changing to the Internet financial industry, so as to promote the development and transformation of the Internet financial. Networking finance from scratch, from germination to rapid development, has shown a number of new features, including new risk characteristics. Due to the existence of time cost and a certain degree of time lag in the construction of regulatory system, the regulation of Internet Finance failed to keep pace with the development of its business level. In the development process of Internet finance, there are a series of potential risks, or even some serious risk exposure problems, which has aroused widespread concern in the social and academic circles. However, with the development of Internet banking at the same time, also make people more concerned about internet financial security issues caused by personal privacy and other aspects of the impact, therefore, this article is based on this environment, this paper analysis the risk and causes of the existence of the Internet banking at this stage, the face of the Internet financial risk, what measures should be taken to to carry out prevention, so that Internet financial order, toward the