我国互联网金融发展存在的问题及对策

我国互联网金融发展存在的问题及对策

专业：会计学（ACCA方向）

摘要

在互联网快速发展的情况下,在最近的几年通过互联网让全世界的信息能够互相传输并且及时的进行处理已经实现了.在全球普及的互联网当然在金融行业有很是巨大的作用,他形成了互联网金融这一整个体系.其中包括网上银行,保险,证券等业务.

在我国,网上金融业务也在不断的稳步发展着.这对我们的金融业来说是一把双刃剑,它为金融业带来了机遇,但同样机遇与风险共存,其中也包含着一定的挑战.互联网业务都是网上金融业务对我国金融业的发展既是挑战，又是机会。互联网金融的全新加入让所有国家的金融业在这个方面站在同一起跑线上,所以就算我国与发达国家在金融方面有差距也可以通过这次机会来缩小我们金融业之间的整体差距水平.

互联网技术与金融业务实现深度结合发展，有效地扩大了金融服务的范围，提高了金融业务效率，使金融业务中的交易成本大大降低，业务量呈现快速增长的势头，但在当前互联网金融发展实践中，也逐渐暴露出诸多问题，例如法规缺位、风控薄弱和监管不健全等问题。对此，本文在总结互联网金融发展模式和互联网金融的发展过程的基础上，重点分析了我国互联网金融发展中面临的主要问题，提出如何让互联网金融进行可持续发张的建议。

关键词：互联网金融金融监管存在问题完善对策

Problems and countermeasures in developing Chinese

Internet Finance

Major: Accounting（ACCA）

Student: Shuyan Ye Supervisor: Zehua Mao

Abstract

In recent years , with the rise of the Internet and the popularity of the network，transmit information around the world has become a reality. Application of internet in the financial industry resulted in Internet finance. Internet finance services includes online banking , online securities business , online insurance business and so on.

Online financial services is a challenge for the development of China's financial industry , but also the chance. The financial industry in our country has a gap with those in the more developed countries, but the Internet and online finance are new things for all countries. With the promoting of Internet finance, it can narrow the gap of financial industry between China and developed countries.

Financial services combined with Internet technology developed very fast which effectively expanded the scope of financial services, improved the efficiency of it, greatly reduced the cost of the transaction. The statistics of transaction volume show the rapid growth in this field, but there are many problem revealed during the development, such as lack of regulations, weak risk control and regulatory issues and so on. Regarding of this, the paper basically summarizes the developing model of Internet finance and the developing process and then focus on the analysis of the main problems in the development of Internet finance in our country, and make policy recommendations to promote sustainable development of this issue.

Key words: Internet finance financial regulation current problems policy recommendations

目录

1 绪论 (4)

1.1选题背景和研究意义 (4)

1.1.1选题背景与问题的提出 (4)

1.1.2本文的研究意义 (4)

1.2文献综述 (5)

1.3研究的思路及框架 (6)

2．互联网金融概述 (7)

2.1互联网金融的定义 (7)

2.2互联网金融兴起的背景 (8)

2.3互联网金融的原理 (10)

2.3.1支付 (10)

2.3.2信息处理 (10)

2.3.3资源配置 (11)

2.4互联网金融的模式与特点 (11)

2.4.1模式 (11)

2.4.2特点 (13)

3.互联网金融现存的问题 (14)

3.1环境政策问题 (14)

3.2行业自身风险 (16)

3.3模式创新问题 (17)

4.互联网金融发展的对策 (18)

5.结论 (20)

参考文献 (22)

致谢 (23)