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近年来,随着我国社会经济快速发展,互联网电子商务也得到长足进步,并在一定程度上带动了互联网行业的发展。当前,互联网金融在市场经济中的涵盖面愈发广泛,其中包括金融行业最为基础的资金的存、贷及支付等业务活动,极大地推动了金融利率市场化及现代化,为人们生活及工作中的金融交易提供了极大方便。但整体而言,互联网金融在推动市场现代化运行的同时,也带来了一定的风险,本文主要对其现状及相关监管策略进行分析。
In recent years, with the rapid socio-economic development in our country, Internet e-commerce has also made great strides, and to a certain extent, it has led to the development of the Internet industry. At present, Internet finance has become more and more widely covered in the market economy, including business activities such as deposit, loan and payment of the most basic funds in the financial industry. This has greatly promoted the marketization and modernization of the financial interest rate and has provided a platform for people’s life and work The financial transactions provided great convenience. However, as a whole, Internet finance has brought certain risks while promoting the market modernization. This article mainly analyzes its current situation and related regulatory strategies.