中国互联网金融风险与监管研究

互联网金融由于能体现普惠金融的原则,故近年来在我国获得爆发式发展,但其风险也日益凸显。互联网金融在发展的过程中存在着法律风险、第三方支付风险、P2P网贷平台存在资金与技术风险、长尾风险、信息与科技风险等。因此,应该从完善监管法规、防范系统性风险、加强跨市场的金融创新协调与建立消费者权益保护机制等方面防范互联网金融风险。

The Study of the Risk of Chinese Internet Finance and Regulation

Internet finance has made rapid progress in rencent years in China because it could display the principle of pervasive finance. However,the risk of internet finance is gradually becoming much higher than ever. Therefore,according to the concept of the risk of internet finance,this paper analyzes the legal risk,the payment risk of the third party,the risk of capital and technology of Peer-to-Peer online lending platform,the risk of long tail,and the risk of information and scientific technology. Eventually,it is suggested that we should prevent the risk of internet finance from the following aspects such as perfecting the regulatory law,prohibiting the systemic risk,enchancing the coordination of cross-market financial innovation and establishing the protecting mechanism of consumer's rights.