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目前,互联网金融的发展取得了一定的成效,然而在实际的发展过程出现了很多问题,金融监管体制的不完善、产品创新严重缺失致使产业升级和转型面临困境,同时监管采用的的方式和手段的落后,致使其滞后于金融创新,无法推进金融改革的发展和创新。本文本文在相关文献进行综述的基础上,充分了解和分析互联网金融存在的风险以及影响因素,从而分析得出现行制度下互联网金融监管方面存在的问题,最后针对互联网金融监管存在的问题提出一定的对策建议。
At present, the development of Internet finance has achieved some success. However, many problems have appeared in the actual development process. The imperfection of the financial supervision system and the serious lack of product innovation have led to difficulties in industrial upgrading and transformation. At the same time, the mode and means of regulation are adopted , Which lagged behind financial innovation and failed to push forward the development and innovation of financial reform. Based on the review of related literatures, this paper fully understands and analyzes the risks and influencing factors of internet finance, and then analyzes the problems existing in the internet financial regulation under the current system. At last, it puts forward some suggestions on the problems of Internet financial regulation Suggestions.