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随着社会的发展,信息化时代的来临,互联网在不断发展扩张,金融行业也在不断改革,两者相互结合,发展出了互联网金融,互联网金融所具有的特点符合这个时代的发展,高的透明性,迅捷的协调性,无与伦比的便捷性。互联网金融以“高铁般的速度”在我们伟大祖国的金融行业里迅猛发展,并以一种不可阻挡的趋势发展着。但是,由于互联网所具有的特有性质,互联网金融在现有的状态下具有较大的风险性和不可控性。所以我们应该时刻重视互联网金融中所存在的风险因素。对互联网金融做到切实有效地风险管理,完善现有的监管模式已经变成互联网金融所面临的首要问题。
With the development of society and the advent of the information age, the Internet is constantly expanding and expanding. The financial industry is constantly reforming. The combination of the two leads to the development of Internet finance. The characteristics of Internet finance are in line with the development of this era. High Transparency, speedy coordination, unmatched convenience. Internet finance has developed rapidly in the financial industry of our great motherland with “iron-fast speed” and has been developing with an irresistible trend. However, due to the peculiar nature of the Internet, Internet finance has greater risks and uncontrollability in the current state. Therefore, we should always attach importance to the risk factors in internet finance. Effective and effective risk management of Internet finance and improvement of the existing regulatory model have become the primary issues facing Internet finance.