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所谓的“凳子金融”和“指尖金融”的区别,就是指的是传统金融和互联网金融的区别。相比传统金融,互联网金融具有“互动”“自主”等优点,但也出现了不少投机,乱象。本文总结了新兴互联网金融出现的风险,提出了目前的风控形式,并提出了利用各自的优势将传统和新兴金融的融合、互补的尝试。
The difference between so-called “stool finance” and “fingertip finance” refers to the difference between traditional finance and internet finance. Compared with traditional finance, Internet finance has the advantages of “interaction ” “autonomy ”, but also appeared a lot of speculation, chaos. This article summarizes the emerging risks of emerging internet finance, puts forward the current forms of risk control and puts forward the attempt of using their respective advantages to integrate and complement traditional and emerging finance.