I大数据发展下中国网络金融的风险与防范研究摘要基于互联网的快速发展以及时代的大幅度进步，网络金融出现了，如今充斥着我们的生活。网络金融依托于互联网技术，并在传统金融的基础上做出了很多的改革与创新，使人们改变了对金融的传统认识，并让网络金融在很多地方都得到了应用。但是由于它出现的太过突然、传播的太过迅速、应用的太过广泛，以至于在很多方面都还来不及跟上，相应的各部门还没有做好应对措施，制度、法律法规等各方面都不太完善。在推进网络金融积极发展的同时，还应注意其存在着的一些潜在的安全风险、信用风险等，这些潜在的风险不但会影响网络金融的长期发展，还会影响金融业的平稳发展。照这样的速度发展下去，虽然对人类的社会生活有着积极的影响，但同样也存在着负面的影响。因此，本篇论文就网络金融的特征以及意义加以阐述，然后再对于我国所存在的、所面临的网络金融的风险和它们带来的不良影响进行研究，继而提出对有助于防范网络金融风险发生所应对的具体的方案、措施。关键词：网络金融风险防范措施IITheriskandpreventionofChina'snetworkfinanceAbstractBasedontherapiddevelopmentoftheInternetandtherapidprogressofthetimes,Internetfinancecameintobeingandfilledourlives.RelyingonInternettechnology,Internetfinancehascarriedoutmanyreformsandinnovationsonthebasisoftraditionalfinance,whichhaschangedpeople'straditionalunderstandingofFinanceandmadeInternetfinancebeusedinmanyplaces.Butbecauseitappearssosuddenly,spreadssoquicklyandwidely,ithasnotbeenabletorespondinmanyaspects,andthecorrespondingdepartmentshavenotyetcompletedtheexcellentwork,thesystem,lawsandregulationsarenotperfectinallaspects.Whilepromotingthepositivedevelopmentofnetworkfinance,weshouldalsopayattentiontosomepotentialsecurityrisksandcreditrisks.Thesepotentialriskswillnotonlyaffectthelong-termdevelopmentofnetworkfinance,butalsoaffectthestabledevelopmentofthefinancialindustry.Atthisrateofdevelopment,althoughithasapositiveimpactonhumansociallife,italsohasanegativeimpact.Therefore,thispaperfirstexpoundsthecharacteristicsandsignificanceofnetworkfinance,andtheninvestigatestherisksandnegativeeffectsofnetworkfinanceinChina,andputsforwardspecificsolutionsandmeasurestohelppreventtheoccurrenceofnetworkfinancialrisks.Keywords:NetworkfinanceRiskPreventivemeasuresIII目录1导论..............................................................21.1选题目的及意义...............................................21.1.1选题目的.................................................21.1.2选题意义.................................................21.2国内外研究综述...............................................21.3研究内容及研究方法...........................................32网络金融的相关信息................................................32.1网络金融的概念...............................................32.2网络金融的特征...............................................42.2.1成本低...................................................42.2.2效率高...................................................42.2.3覆盖广...................................................42.2.4发展快...................................................42.2.5管理弱...................................................42.2.6风险大...................................................52.3网络金融发展的意义...........................................52.3.1提升了人民群众的金融获得感和满意度.......................52.3.2弥补了金融设施短板.......................................52.3.3激发了金融市场地活力.....................................52.3.4促进了...
