目 录一、引言..................................................3二、互联网金融的风险主要体现.............................3（一）技术方面的风险..................................3（二）运营方面的风险..................................5（三）法律方面的风险..................................5三、法律监管方面的建议...................................7（一）金融方面的监管..................................71、银行业务.......................................72、第三方支付.....................................73、网络贷款.......................................7（二）政府部门方面的监管..............................8四、结语.................................................9参考文献................................................10互联网金融的风险和法律管制摘要：互联网金融越来越受到关注和重视，参与者众多，带有明显的公众性，很容易触及法律的红线，甚至引发系统性金融风险。随着科技的发展，互联网金融业也发展迅猛，有效的冲击了传统的金融行业。它是一种新的模式，发展过程中所出现的风险问题对互联网金融的监管提出了新的挑战。建立健全的法律法规，加强政府的监管，舆论推动行业自律，消费者提高保护自身权益的意识等的综合监管促进互联网金融业的健康发展。关键字： 互联网金融 风险 监管 发展ABSTRACT：Internet banking has attracted more and more attention, many participants, with a clear public property, it is easy to touch the red line of the law, and even lead to systemic financial risks. With the development of science and technology, the Internet financial industry is developing rapidly, the impact of the traditional financial industry. It is a new model, puts forward new challenges to risk problems arising in the process of the development of the financial regulation of the internet. The establishment of sound laws and regulations, strengthen the supervision of the government, the public opinion to promote the healthy development of industry self-regulation, improve the comprehensive regulati...
