摘 要互联网的飞速发展，为各个行业带来了发展的新春。在总理的大力推动下，“互联网+”迎来爆发式发展，其中最引人注目的就是互联网和金融的结合——互联网金融，越来越受到大家的追捧，为社会生活带来了便捷、智能。第三方支付平台、P2P平台、众筹等互联网金融平台如雨后春笋般奔涌而出，互联网金融的火爆程度到达前所未有的高度。但在互联网金融不断发展的过程中，也产生了一系列的问题，这些问题也已经严重阻碍了互联网金融的发展。本文通过对互联网金融发展现状的相关文献的梳理，结合当前互联网金融的发展现状，分析互联网金融发展中的问题，以支付宝花呗为例，针对互联网金融发展过程中关于立法、监管和潜在隐患等问题，从政府机构、相关企业及个人方面剖析问题产生的原因，最后对现阶段互联网金融发展存在问题提出切实可行的对策建议。关键词：互联网金融；蚂蚁花呗；发展问题；应对策略PAGE \* MERGEFORMATIAbstractThe rapid development of the Internet has brought a new spring of development for various industries. With the vigorous promotion of Premier Li Keqiang, the Internet plus has been in the stage of explosive development. The most striking feature is the combination of Internet and finance, which has attracted more and more attention in recent years, bringing convenience and intelligence to social life. Third party payment platform, P2P platform, Crowd Funding and other Internet Financial platforms are springing up, and the popularity of Internet finance has reached an unprecedented level. But in the process of the continuous development of Internet finance, there are also a series of problems, which have seriously hindered the development of Internet finance.Through combing the relevant literature on the development of Internet finance, this paper analyzes the problems in the development of Internet finance, combined with the current development of Internet finance, taking Ant Credit Pay as an example, aiming at the problems of legislation, supervision ...
