互联网金融的风险及其防范.pdfVIP

互联网金融的风险及其防范 摘 要 互联网金融是金融行业发展到一定程度之后的突破之道，也是一种互联网科 技与金融行业交合之下的产物。如今的互联网金融在发展初期就展示出了鲜活的 生命力，而在这生命力之下存在的诸多风险是应当引起人们注意的。本文在阐明 了互联网金融及其风险的定义和主要类型之后，从互联网金融的消费规模和融资 规模分析了其发展态势，并对近年来发生的互联网金融风险及出台的相关政策法 规进行了思考，从行业监管措施、企业安全技术、相关法律制度、投资者投资意 识等方面分析了互联网金融风险防范存在的问题，最后针对这些问题提出了加快 建立政府的互联网金融监管体系、强化互联网金融企业的相关安全技术、完善互 联网金融商品和服务相关法律、树立投资者互联网金融风险识别意识等优化措 施。 关键词：互联网金融；风险；防范 I The risk of Internet finance and its prevention Abstract Internet finance is a breakthrough after the development of the financial industry to a certain extent, but also a product of the combination of Internet technology and the financial industry. Todays Internet finance has shown its vitality in the early stage of development, and many risks under this vitality should be noticed. This article explains the definition and main types of Internet finance and its risk, from the consumption of Internet financial scale and raise its development trend is analyzed, and on the Internet of recent financial risks and the relevant policies and regulations of the thinking, from industry regulation, enterprise security technology, related legal system consciousness, investors, investment etc. Analysis of the problems of the Internet financial risk prevention, Finally, in view of these problems, some optimization measures are put forward, such as speeding up the establishment of the governments Internet financial supervision system, strengthening the relevant security technologies of Internet financial enterprises, improving the laws related to Internet financial goods and services, and establishing the awareness of investors on Internet financial risk identification. Key words: Internet