题 目：我国互联网金融发展及其风险监管研究-以余额宝为例目 录内容摘要............................................................1一、绪论............................................................1（一）研究背景和研究意义........................................1（二）国内外研究文献综述........................................2二、互联网金融风险分析..............................................3（一）互联网金融风险类型和特征..................................3（二）余额宝风险及监管现状......................................4三、互联网金融风险监管存在问题......................................5（一）监管主体不协调............................................5（二）消费者保护机制不完善......................................6（三）信用体系不健全............................................6（四）安全风险控制薄弱..........................................6（五）信息披露机制不完善........................................6四、互联网金融风险监管问题分析......................................7（一）风险问题导致监管困难......................................7（二）技术问题导致监管难度增大..................................8（三）监管落实欠缺导致监管与实际不符............................8（四）分业监管体系下导致监管失位................................8（五）行业自律不到位............................................9五、我国互联网金融风险监管对策建议..................................9（一）完善征信系统..............................................9（二）金融消费者保护............................................9（三）建立金融知识普及机制.....................................10（四）完善风险控制和信息披露机制...............................10（五）监管主体协调监管.........................................11六、结论及展望.....................................................11参考文献...........................................................11Abstract...........................................................13后 记.............................................................14我国互联网...
