我国互联网金融存在的风险及其防范摘要近几年，互联网科技水平的不断提高，使互联网金融步入了发展的快车道，不仅大幅度的缩减了金融交易的时间，有效减少了相关成本，同时也使互联网金融发展较之以往更加顺畅。但是，由于互联网金融市场监管体系不完善，参与者缺乏自律，互联网金融的发展也面临着极大的挑战。文章通过对互联网金融的含义、优势、监管现状的阐述与分析，发现其存有监管界限不明确、外部监管缺失、行业自律不完善等一系列问题，并由此提出了明确各领域监管范围、加强内部及外部监管、探索互联网金融风险补偿机制等建议。以期推动互联网金融可持续发展，更好地为我国经济发展增加助力。关键词：互联网金融；风险；监管；可持续发展AbstractInrecentyears,thecontinuousimprovementofinternettechnologymakesthedevelopmentofinternetfinancemoreandmorerapid,notonlyreducesthetimeandcostoffinancialtransactions,butalsomakesthedevelopmentofinternetfinancemoresmooth.However,becauseoftheimperfectsupervisionsystemofinternetfinancialmarket,thelackofself-disciplineofparticipants,thedevelopmentofinternetfinancealsofacesgreatchallenges.Throughtheelaborationandanalysisofthemeaning,advantagesandsupervisionofinternetfinance,thepaperfindsoutaseriesofproblems,suchasunclearregulatoryboundaries,lackofexternalsupervisionandimperfectindustryself-regulation,andputsforwardsomesuggestionsonclarifyingthescopeofsupervision,strengtheninginternalandexternalsupervision,exploringthemechanismofinternetfinancialriskcompensation.Withaviewtopromotethesustainabledevelopmentofinternetfinance,bettertodevelopaforceforoureconomy.Keywords:Onlinefinance；risk；supervise；sustainabledevelopment目录摘要..............................................................................................................................IABSTRACT....................................................................................................................I目录.............................................................................................................................1前言.............................................................................................................................2一、互联网金融的发展概述.........................................................................................2（一）互联网金融的含义..........................................................................................2（二）互联网金融的发展成因..................................................................................21.主观原因..............................................................................................................22.客观原因...............................................................................................................3（三）互联网金融的表现形式..................................................................................3二、互联网金融对传统金融的影响.............................................................................4（一）互联网金融的优势..........................................................................................41.潜力巨大的用户群，优化流程和决策...............................................................42.降低信息不对称性，解决长尾客户需求...........................................................43.递减的边际成本，不断提高的效率...................................................................4（二）互联网金融对传统商业银行的影响...........................................
