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现阶段随着网络技术的迅速发展,已经在诸多领域得到了广泛应用,并发挥了比较重要的作用,将网络技术在金融领域的应用推动了金融行业的模式转变,使得金融发展更加的快捷迅速。互联网金融和传统的金融发展模式有着诸多的不同,主要是通过网络技术对资金借贷以及交易处理等环节进行的实施,在提供方便的同时也为互联网金融的发展带来了相应风险。基于此,本文主要就互联网金融内涵及风险主要特征加以分析,然后就互联网金融对传统金融的影响和互联网金融模式的风险加以分析,最后结合实际探究互联网金融的优化发展策略。
At this stage, with the rapid development of network technology, it has been widely used in many fields and played a more important role. The application of network technology in the financial field has promoted the mode transformation of the financial industry and made the financial development more rapid and rapid . There are many differences between Internet finance and traditional modes of financial development. The implementation of such steps as capital lending and transaction processing through network technology has brought convenience to the development of Internet finance at the same time. Based on this, this article mainly analyzes the connotation and main features of Internet finance. Then, it analyzes the impact of Internet finance on traditional finance and the risk of Internet finance model. Finally, it explores the optimization strategy of Internet finance based on the actual situation.