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互联网兴起于20世纪50年代,伴随着一场信息科技革命,网络如同沉睡在大地中的“十七年蝉”一样,在时间的滋润下,迅速突破传统的甲壳,以势不可挡的恢弘气势席卷整个世界,人类的文明也被迅速推进到一个新的阶段——信息时代。在这场没有硝烟的时代革命中,互联网金融的产生既是偶然又是必然。互联网的产生在一定程度上体现了人的惰性,因为人们追求更短时间去获得更丰富的信息,而互联网金融能通过非实体方式,以虚拟的平台实现交易和货币支付,因此,互联网金融也是社会发展到一定程度的必然产物,而这个发展的节点则是偶然的。任何事物皆有两面性,互联网金融在带来便捷的同时,也伴随着多方面的风险,本文就我国互联网金融所面临的风险进行了总结,并提出了相关对策以应对有关风险。
With the rise of the Internet in the 1950s, with the revolution in information technology, the Internet, like the “Seventeen Years of Cicadas” sleeping in the earth, quickly broke through the traditional shell with moisture of time to its overwhelming momentum Sweeping the whole world, the civilization of mankind has also been rapidly advanced to a new stage - the information age. In this era of smokeless revolution, the emergence of Internet finance is both accidental and inevitable. To some extent, the emergence of the Internet reflects human inertia, as people seek shorter time to obtain richer information, and internet finance can be traded and paid on a virtual platform through non-physical means. Therefore, internet finance is also Social development to a certain degree of inevitable product, and the node of this development is by chance. Everything has its two sides. Internet finance brings with it many conveniences and risks. This article summarizes the risks that Internet finance in China faces and puts forward some countermeasures to deal with the related risks.