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互联网金融将对传统金融在经营理念、金融基本制度、金融产品渠道和创新产生重要影响,加速“金融脱媒”进程。但其发展存在着信用评价和甄别能力较弱、风险和评估体系不健全等一系列问题。为此,传统金融一些制度平台和监管范围要向互联网金融延伸,建立互联网金融准入门槛、业务范围和业务准则,建立涵盖互联网金融在内的金融运行规则、监管体系和适当监管方式,构建金融机构信用评价公示和风险提示制度,提高互联网金融的技术安全等级,建立互联网金融的消费者保护体系。
Internet finance will have a significant impact on traditional finance in business philosophy, basic financial system, channels and innovation in financial products, and speed up the process of “financial disintermediation.” However, there are a series of problems in its development, such as weak credit rating and screening ability and unsound risk and evaluation system. To this end, some of the traditional financial system platforms and regulatory scope should extend to the Internet finance, establish the threshold of Internet finance access, scope of business and operational guidelines, the establishment of financial operations, including Internet finance rules, regulatory systems and appropriate regulatory approach to build finance Institutional credit rating publicity and risk alert system to improve the technical level of Internet finance security, the establishment of Internet finance consumer protection system.