论文部分内容阅读
随着网络时代的来临,网上银行融资,网络投资,网络在线金融产品的销售等业务也得到了快速的发展。近段时间,国务院发布“关于促进内需扩大促进信息消费的意见”提出了“规范互联网金融服务”的要求,在2013年第二季度的人民银行货币政策执行报告中将网上银行作为“有益的金融体系的补充。这在一定程度上确定了网上银行的发展方向,明确了互联网金融市场的重要地位。但是,由于网络金融市场缺乏必要的监管,网络金融的虚拟化程度较高,网络支付的快速化以及网络金融机构的区域化发展使得网络风险表现的更加明显,这就使得互联网的发展面临非常大的挑战。所以,如何对互联网金融的发挥进行规范以及如何加强互联网服务和其他问题金融监管方面的问题,作者就互联网金融做了相应的探讨,以促进网络金融的快速发展,而且提出自己的一些看法,希望能够为大家提供参考。
With the advent of the Internet age, businesses such as online bank financing, network investment and online online financial product sales have also been rapidly developed. Recently, the State Council promulgated the ”Opinions on Promoting the Expansion of Domestic Demand and Promoting Information Consumption“ and put forward the requirement of ”regulating Internet financial services“. In the second quarter of 2013, the People’s Bank of China’s monetary policy implementation report referred to online banking as the ” "This is to some extent, to determine the direction of the development of online banking, a clear position on the Internet financial market.However, due to the lack of necessary regulation of online financial markets, the network virtualization of a higher degree of financial , The rapid development of internet payment and the regionalization of internet financial institutions make the cybersecurity performance more obvious, which makes the development of Internet face a very big challenge.How to standardize the exertion of Internet finance and how to strengthen the internet service Other issues Financial regulatory issues, the author made a corresponding discussion on Internet finance to promote the rapid development of Internet finance, but also put forward some of his own views, hoping to provide a reference for everyone.