互联网金融商业模式、风险形成机理及应对策略  

Internet Financial Business Model, Risk Formation Mechanism and Countermeasures

作　　者：林莉芳[1] LIN Li-fang(Xiangsihu College, Guangxi University of Nationalities, Nanning Guangxi 530008, China)

机构地区：[1]广西民族大学相思湖学院,广西南宁530008

出　　处：《技术经济与管理研究》2018年第8期66-70,共5页Journal of Technical Economics & Management

基　　金：2017年度广西高等教育本科教学改革工程重点项目(2017JGZ169)

摘　　要：互联网金融是在我国"互联网+"大背景下所衍生出的新型金融业态模式,具有丰富金融产品种类、提升金融服务质量、拓展融资边界线、降低金融交易成本等诸多优点。然而,随着互联网金融的高速发展,相关法律的缺失与监管的滞后使互联网金融风险日益突出,因此急需创新互联网金融监管思路与方法以助互联网金融健康发展。文章在详细分析我国互联网金融发展特征以及发展模式的基础上,总结了互联网金融风险的产生机理和风险特征。通过建立针对互联网金融风险识别、评估、监管与披露等全方面的风险管理体系,对主流互联网金融业务的风险防范提出了具体应对策略。Internet finance is a new financial business model, which derived from the background of ＂Internet plus＂ in China. Internet finance has many advantages, such as enriching financial products, improving financial service quality, expanding financing boundary, and reducing financial transaction costs. However, with the rapid development of Internet finance, the lack of relevant laws and the lagging of supervision have made increasingly prominent risks of Internet finance. Therefore, new ideas and methods of Internet finance supervision are urgently needed to help the healthy development of Internet finance. Based on the detailed analysis of the development characteristics and development modes of China＇s Internet finance, the risk generation mechanism and risk characteristics of Internet finance are summarized in the paper. By establishing a risk management system for risk identification, evaluation, supervision and disclosure of Internet finance, specific countermeasures are proposed for risk prevention of mainstream Internet financial services.

关 键 词：互联网金融 金融风险 金融监管 风险管理 

分 类 号：F832.2[经济管理—金融学]