Internet Financial Risk Analysis and Supervision Suggestions

L. Fang, Gao Jianyuan
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Abstract

As a traditional financial innovation model, Internet finance has attracted widely attention from all walks of life. With the booming development, many problems have been exposed, especially the risk management mode, which has been difficult to adapt to the current development. Risk management, particularly systematic risk, is an urgent problem to be solved. This article elaborates the concept of Internet finance, then summarizes the essential characteristics of it, and analyzes the existed risks under the current environment. In view of these risks, we put forward some corresponding regulatory suggestions.
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互联网金融风险分析及监管建议
互联网金融作为一种传统的金融创新模式,受到了社会各界的广泛关注。在蓬勃发展的同时,也暴露出许多问题,尤其是风险管理模式已经难以适应当前的发展。风险管理,特别是系统风险管理,是一个亟待解决的问题。本文阐述了互联网金融的概念,总结了互联网金融的本质特征,分析了当前环境下互联网金融存在的风险。针对这些风险,我们提出了相应的监管建议。
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