互联网金融:本质、风险及监管路径  

Internet Finance:Nature,Risk and Regulation Path

作　　者：丁玉[1,2] 卢国彬 

机构地区：[1]中国邮政储蓄银行,北京100808 [2]清华大学五道口金融学院,北京100083 [3]中国人民大学,北京100872

出　　处：《金融发展研究》2016年第10期38-42,共5页Journal Of Financial Development Research

基　　金：中国博士后科学基金面上资助项目"农村土地经营权抵押;银行信贷和风险控制"(2015M581273)

摘　　要：当前互联网金融在我国呈爆炸式发展,但互联网金融监管却处于滞后状态。互联网金融具有互联网和金融"二重"属性,信用风险、流动性风险比传统金融机构更突出,法律合规风险突出,并具有独特的信息技术风险,"长尾"效应加剧和扩大了风险的外部性和破坏性。本文在分析互联网金融的本质、风险的复杂性基础上,从功能监管、互联网技术、金融风险、行业自律等方面提出风险防范和监管措施。Internet finance grows explosively in China, but the regulation is in a ＂regulatory gaps＂ state. Intemet finance has the double properties ofinternet and finance, with the credit risk, liquidity risk more prominent than traditional financial institutions along with significant legal risk. Besides, it has unique IT risks and the ＂long tail＂ effect intensifies and expands the externalities and destructiveness of the risk. The paper proposes the risk prevention and control measures based on the complexity of interact finance＇s risks, including functional supervision, intemet technology, financial risk and industry self-regulation.

关 键 词：互联网金融 信息技术风险 长尾风险 功能监管 

分 类 号：F830[经济管理—金融学]