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现如今互联网已成为人们日常生活中不可或缺的事物,互联网信息技术的不断发展与传统金融相结合衍生出了许多互联网金融服务,网上银行、网上理财都是互联网金融的典型代表。互联网金融的快速发展不仅为广大民众提供了诸多的便利,同时能反应一个国家的经济水平和科技水平。互联网金融作为信息科技的一种产物必然在使用过程中会出现诸多的风险,而对互联网金融风险监管不严则会造成很多不良的后果,严重影响民众的利益和社会经济的发展。
Nowadays the Internet has become an indispensable part of people’s daily life. The continuous development of Internet information technology and the combination of traditional finance have led to many Internet financial services. Internet banking and online banking are typical representatives of Internet finance. The rapid development of Internet finance not only provides a lot of convenience for the general public, but also reflects the economic and technological level of a country. Internet finance, as a product of information technology, inevitably presents many risks during its use. However, the lax regulation of internet financial risks will cause many adverse consequences, which will seriously affect people’s interests and social and economic development.