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近几年,我国互联网技术发展非常迅速,互联网技术的出现为人们的生活、工作提供了便捷。在互联网技术取得发展的同时,金融监管模式也发生了变化,互联网金融具备平等、开放、普惠等特征,是一种民主化的金融模式,贴近大众,易被大众所接受。互联网金融的出现使投资方式变得更加丰富,同时对资源配置具有优化作用,还可以使交易效率提升,将信息不对称问题解决。互联网金融模式在发展过程中,还需对其发展过程进行监管,确保该模式发展的可靠性与规范性。
In recent years, the development of Internet technology in our country is very rapid. The emergence of Internet technology has provided convenience for people’s life and work. With the development of Internet technology, the financial regulatory model has also changed. Internet finance is characterized by equality, openness and inclusiveness. It is a democratic financial model that is close to the public and is easily accepted by the public. The advent of Internet finance has made investment more abundant, while optimizing the allocation of resources. It can also enhance the efficiency of transactions and solve the problem of information asymmetry. Internet financial model in the development process, but also the need to monitor the development process to ensure the development of the model reliability and normativity.