随着互联网渗透率的不断提升,互联网金融在我国逐渐由一种个别现象演变为一股创新浪潮,进而成长为一个产业集群。但互联网金融从事的仍是金融业务,其作为金融的本质仍未改变;金融市场中的信息不对称和不完全竞争在这里也充分显现出来。同时,互联网自身的特征加剧了尚处于发展初期的互联网金融的风险积聚,如不能及时 With the continuous improvement of Internet penetration rate, Internet finance gradually evolves from an individual phenomenon into an innovation wave in our country, and then grows into an industrial cluster. However, Internet finance is still engaged in the financial business, and its essence as a financial entity has not changed. Information asymmetry and imperfect competition in the financial market are also fully revealed here. At the same time, the Internet’s own characteristics have exacerbated the risk of Internet finance, which is still in its early stages of development. If not,