目前我国开展互联网金融业务的机构分化严重,虽然现阶段并未引发大规模的风险问题,但潜在风险正不断集聚之中,而这些一旦爆发,将在一定程度上导致系统风险,影响社会稳定,有效监管正是化解风险的“苦口良药”。当前,我国互联网金融俨然进入了高速发展、跨界融合的新阶段。互联网的快速普及与其“开放、平等、协作、分享”的特征给传统金融业带来了空前的发展机遇和严峻挑战;互联网企业快速向金融业态发展与渗透,而这必将对人 At present, the institutions that carry out Internet finance business in our country are seriously divided. Although large-scale risk problems have not been triggered at this stage, the potential risks are constantly gathering. Once these emergencies occur, they will, to a certain extent, lead to systemic risks and social stability. Effective regulation is the solution to the risk of “bitter medicine.” At present, Internet finance in our country has just entered a new stage of rapid development and cross-border integration. The rapid popularization of the Internet and its characteristics of “openness, equality, cooperation and sharing” have brought unprecedented opportunities and challenges to the traditional financial industry. Internet companies have rapidly developed and infiltrated into the financial industry,