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伴随互联网技术的飞速发展,开展“互联网+金融”业务的企业日益增多。“互联网+金融”企业是传统金融行业的创新,改变了原有金融行业的生态环境,同时也带来了各类风险。从互联网技术视角考察,“互联网+金融”具有互联网技术风险、虚拟化风险、颠覆式风险和法律风险;从传统金融业务的本质考察,“互联网+金融”具有流动性风险、信用风险、操作风险和道德风险。政府应该从时间维度、空间维度、主体维度、措施维度四个方面加强对“互联网+金融”的监管,构建立体化、全维度的“互联网+金融”风险防控体系。
With the rapid development of Internet technology, there are more and more enterprises carrying out “Internet + Finance” business. “Internet + Finance ” Enterprises are innovations in the traditional financial industry, changing the ecological environment of the original financial industry, but also bring all kinds of risks. From the perspective of Internet technology, “Internet + Finance” has Internet technology risk, virtualization risk, subversive risk and legal risk. From the essence of traditional financial business, “Internet + Finance” has liquidity risk, Risk, operational risk and moral hazard. The government should strengthen the supervision of “Internet + Finance” from four aspects of time dimension, space dimension, main dimension and measure dimension, and build a three-dimensional and all-dimensional “Internet + financial” risk prevention and control system.