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近年来,我国互联网金融迅猛发展,以互联网支付、互联网理财等为代表的互联网金融呈现超常规发展态势。根据中国人民银行《2013年支付体系运行总体情况》的统计,2013年我国互联网支付笔数达153.38万亿笔,金额9.22万亿元,同比分别增长56.06%和48.57%。然而,互联网金融在其不断创新和发展中也逐渐暴露出了一些问题。为促进互联网金融的健康发展,监管部门于近期对部分存在风险的互联网金融创新业务提出了相关监管建议,四大行也相继调低支付宝快捷支付限额。这些事件叠加在一起,引发了商业银行、支付机
In recent years, the rapid development of Internet finance in our country, Internet finance represented by Internet payment and Internet financing has presented an extraordinary development trend. According to the “Overall Operation of the Payment System in 2013” of the People’s Bank of China, in 2013, the number of internet payments in China amounted to 153.38 trillion yuan, amounting to 9.22 trillion yuan, up 56.06% and 48.57% respectively over the same period of last year. However, Internet finance has gradually exposed some problems in its continuous innovation and development. In order to promote the healthy development of Internet finance, regulators recently proposed some regulatory advice on some of the Internet financial innovation businesses that are at risk, and the Big Four firms have successively lowered the payment limit of Alipay. These events superimposed together, triggering commercial banks, payment machines