论文部分内容阅读
近年来,互联网金融的兴起带来了金融市场的巨大创新与变革,引起了人们的高度关注,互联网独特的经营模式和价值创造方式,逐渐改变着原有金融机构操作流程和业务模式,对传统金融业务形成了直接冲击,影响了金融机构传统的利差盈利模式。互联网金融在我国起步较晚,存在监管阶段性断档、风险频发、市场发育不健全、投资者盲目等隐患,从而引发信用风险、流动性风险、信息技术风险和经济风险。
In recent years, the rise of internet finance has brought tremendous innovation and change in financial markets, arousing people’s great attention. The unique operation mode and value creation mode of the Internet have gradually changed the operational procedures and business models of the original financial institutions. The financial services have had a direct impact and have affected the traditional spread-profit model of financial institutions. Internet finance started late in our country. There are risks such as regulatory interruptions, frequent risks, imperfect market development and blind investors. As a result, credit risk, liquidity risk, information technology risk and economic risk are caused.