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作为一种新型金融模式,互联网金融在我国呈现出飞速发展态势,现已成为我国金融体系中的重要构成部分。可以说,金融创新和风险有着密切的关系,虽然,互联网金融为人们的生活提供了巨大便利,也对小微企业的融资环境进行了改善,更实现了对金融资源的优化配置,但是,互联网金融不仅具有传统金融产业的风险,还有明显的网络风险,这就加大了监管难度。基于此种情况,笔者对互联网金融发展与法制监管的实现路径进行了深入地分析。
As a new type of financial model, Internet finance has shown a rapid development trend in our country and has now become an important part of China’s financial system. It can be said that there is a close relationship between financial innovation and risk. Although Internet finance has provided tremendous convenience to people’s lives, it has also improved the financing environment for small and micro enterprises and optimized the allocation of financial resources. However, the Internet Financial not only has the risk of the traditional financial industry, there is a clear network risk, which increased the regulatory difficulty. Based on this situation, I conducted an in-depth analysis of the realization path of Internet financial development and legal supervision.