摘要
在互联网技术的影响下,传统金融模式逐渐改变,并与互联网迅速融合,形成了新的金融模式,并且以新的特点不断的发展,从而互联网与传统金融构成了一个打破传统中介、提高交易效率、减少交易成本、消除信息不对称的有机整体——互联网金融市场。互联网与金融风险相结合势必会带来新的风险且风险传导更快、范围更广、破坏力更大,如不加以控制,对我国的经济伤害将是不可估量的。首先,本文讲述了互联网金融的概念、特点,指出了与传统金融的不同,分析了互联网金融风险的类型,即流动性风险、信息安全风险、信用风险、操作风险、法律风险和其他风险。讲述风险类型后,接着分析了监管的原因,有市场机制不能有效的进行资源的优化配置、信息的不对称、不完全,或者说在信息的高速传播中对信息的识别需要更高的判断能力。最后,从不同的主体角度出发描述了不同主体的具体措施,政府要做好法律法规的制定和促进社会信用体系的建设;企业自身要做好内部机制的建设和保障信息的安全,加强防范机制;行业做好对企业的监管、经验的交流和信息的共享,共同防范互联网金融的风险。
Under the impact of Internet technology,the traditional financial mode has changed and formed a new mode by rapidly integrating with the Internet,and constantly develops with new characteristics.On that basis,the Internet and traditional finance constitute an organic integrity,i.e.,Internet financial market,which breaks the traditional intermediary,improves transaction efficiency,reduces transaction costs,and eliminates information asymmetry.The combination of the Internet and financial risks also brings new risks,featured by faster and wider transmissions,and greater destructive power.Its dangers to the economy in China will be serious if cannot be well controlled.First,this paper describes the concept and characteristics of Internet finance,points out the difference from traditional finance,and analyzes the types of Internet finance risks.The risks include the liquidity risk,information security risk,credit risk,operational risk,legal risk,and other risks.Then,we analyze the reasons for the regulation,including the market mechanism cannot effectively optimize the allocation of resources,the asymmetrical and incomplete information,and the identification of information in the high-speed transmission of information needs higher judgment ability.Finally,the specific measures of different subjects are put forward from different subject points of view.To be specific,the government should try to formulate laws and regulations and promote the construction of a social credit system;enterprises should do well in the internal mechanism construction and ensure the security of information,and strengthen the prevention mechanism;the industry should enhance enterprise supervision,experience exchange,and information sharing,thereby guarding against risks in Internet finance jointly.
关键词
互联网金融市场
金融市场风险
金融市场监管
Internet Financial Market
Financial Market Risk
Financial Market Regulation
