今年以来,互联网金融虽然延续了去年的红火,但是不同的是,监管随之跟进,让互联网金融创新有了更多理性规范的意味。4月21日,处置非法集资部际联席会议对P2P网络借贷的风险进行警示,指出网络平台打着“民间借贷”旗号非法集资风险日见凸显。而在此前,银监会和央行联手下发《加强商业银行与第三方支付机构合作业务管理的通知》(银监“10号文”),对商业银行和第三方支付机构的合作做出规范。央行有关负责 Since the beginning of this year, Internet finance has continued its success last year, but the difference is that regulatory follow-up has given Internet financial innovation more rational norms. On April 21, an inter-ministerial joint meeting on disposal of illegal fund-raising raised a caution on the risk of P2P online lending. It pointed out that the risk of illegal fund-raising raised by the network platform under the banner of “private lending” was highlighted. Prior to this, the CBRC and the Central Bank jointly issued the Circular on Strengthening the Management of Cooperative Business between Commercial Banks and Third-Party Payment Institutions (CBRC No. 10), regulating the cooperation between commercial banks and third-party payment agencies . Central bank is responsible for