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随着我国电子商务的不断发展,也带动了互联网金融业务量的不断提升。但基于目前我国现行的金融体制下,在立法与监管等方面还存在一些不足与缺失。因此产生了监管滞后、监管真空、监管重叠的现象,进而加大了我国的互联网金融安全风险。如何有效规制互联网金融风险,并找寻新的发展途径,是当前我国互联网金融发展中所面临的主要问题。本文首先分析了我国互联网金融的概念及相关风险类型,并对产生这些风险的原因进行了研究,进而对规制互联网金融风险的发展路径进行了探讨。以期能够保障互联网金融消费者的基本权益,营造良好的互联网金融环境。
With the continuous development of e-commerce in our country, it has also led to continuous improvement in the amount of internet finance business. However, under the current financial system in our country, there are still some shortcomings and deficiencies in legislation and supervision. As a result, regulatory lag, regulatory vacuum, and supervisory oversight have been intensified, further increasing China’s Internet financial security risk. How to effectively regulate Internet financial risks and find new ways to develop them is the main problem facing the development of Internet finance in our country at present. This article first analyzes the concept of internet finance in our country and the related types of risks, and studies the causes of these risks, and then explores the ways to regulate the development of internet financial risks. With a view to safeguarding the basic rights and interests of internet financial consumers and creating a good Internet financial environment.