我国互联网金融风险分析及监管对策研究RiskAnalysisandRegulatoryCountermeasuresofInternetFinanceinChina摘要互联网金融主要是通过信息技术来为客户提供更加快捷的金融服务，使客户多样化的金融需求得到了满足，被越来越多的人们认可。互联网金融的出现和发展，改变了传统金融存在的不足，推动了普惠金融的开展，同时对于资源的优化配置也有非常重要的作用。但是互联网和金融行业本身的特点，也决定了互联网金融必然会产生一定的风险，因此对于互联网金融的风险防范和监管就成为了非常重要的研究问题。本文对互联网金融风险进行了研究，分析了互联网金融发展的现状以及风险的种类，对目前的监管措施进行了分析，然后分析了互联网金融目前监管存在的主要问题，主要体现在监管主体缺乏协调、法律建设尚未构成体系、制度框架有待完善以及信用体系不健全四个方面，最后针对问题提出了相应的解决对策，应该明确监管主体，完善相关法律法规，完善监管制度设计，构建社会信用监管体系。关键词：互联网金融；风险分析；监管RiskAnalysisandRegulatoryCountermeasuresofInternetFinanceinChinaAbstractInternetfinancemainlyprovidescustomerswithfasterfinancialservicesthroughinformationtechnology,whichmeetsthediversifiedfinancialneedsofcustomersandisrecognizedbymoreandmorepeople.TheemergenceanddevelopmentofInternetfinancehaschangedtheshortcomingsoftraditionalfinanceandpromotedthedevelopmentofInclusiveFinance.Atthesametime,italsoplaysaveryimportantroleintheoptimalallocationofresources.However,thecharacteristicsoftheInternetandthefinancialindustryalsodeterminethatInternetfinancewillinevitablyproducecertainrisks.Therefore,theriskpreventionandsupervisionofInternetfinancehasbecomeaveryimportantresearchissue.ThispaperstudiestherisksofInternetfinance,analyzesthecurrentsituationofthedevelopmentofInternetFinanceandthetypesofrisks,analyzesthecurrentsupervisionmeasures,andthenanalyzesthemainproblemsexistinginthecurrentsupervisionofInternetfinance,whicharemainlyreflectedinthelackofcoordinationofsupervisionsubjects,thelackoflegalconstruction,theneedtoimprovetheinstitutionalframeworkandtheimperfectcreditsystem,Finally,thecorrespondingcountermeasuresareputforwardtosolvetheproblems.Weshouldclarifythesupervisionsubject,improverelevantlawsandregulations,improvethedesignofsupervisionsystem,andbuildasocialcreditsupervisionsystem.KeyWords：Onlinefinance;Riskanalysis;Supervise目录摘要.....................................................................................................................................IAbstract..................................................................................................................................II一、绪论................................................................................................................................1（一）研究背景.............................................................................................................1（二）研究意义.............................................................................................................11.理论意义...............................................................................................................12.现实意义...............................................................................................................1（三）研究思路与研究内容.........................................................................................2（四）研究方法与创新点.......................................................................................
