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本文将互联网金融分成网络融资、大数据金融模式、第三方支付模式三类,并分析了互联网金融与普惠金融的关系。同时,互联网金融在发展过程中存在诸如信用风险、流动性风险、资金安全风险、长尾风险、信息技术风险等问题。因此,为控制或减少互联网金融发展过程所带来的风险,相关部门应该构建必要的信息安全和信息披露机制,实施第三方资金托管机制,明确互联网金融的监管主体和相关法律法规适应性。
This article divides Internet finance into three types: network financing, big data financial mode and third-party payment mode, and analyzes the relationship between internet finance and inclusive finance. At the same time, there are some problems in the development of internet finance such as credit risk, liquidity risk, capital security risk, long tail risk and information technology risk. Therefore, in order to control or reduce the risks brought by the Internet financial development process, the relevant departments should establish the necessary information security and information disclosure mechanisms, implement third-party fund custody mechanisms, and clarify the regulatory bodies of Internet finance and the adaptability of relevant laws and regulations.