摘要：互联网金融的产生基于互联网技术的飞速发展，加之顺应我国的金融改革，互联网金融发展迅速。2013年，以余额宝的正式上线为标志，互联网金融开始爆炸式增长。互联网金融的崛起，为中国投资者在投资选择方面提供了多种选择。然而，互联网金融在不断向前发展的同时，也产生了诸多的问题。互联网金融发展时间较短但发展速度快，这就使得其在监管制度方面存在许多漏洞，市场风险较大。为维护好互联网金融市场的良性发展，需加快建全互联网金融监管体系，完善相关立法，为互联网金融市场的健康发展提供制度保障。本文针对互联网金融发展中的风险以及监管的现状，从法律法规建设、明确监管主体、加强信息披露、完善市场准入机制及行业自律管理等方面，提出对我国互联网金融的具体监管建议及措施。

Abstract：The emergence of Internet finance is based on the rapid development of Internet technology, coupled with our financial reform, and the development of Internet finance is fast. In 2013, with the official launch of the balance treasure as the symbol, Internet finance began to explode. The rise of Internet Finance provides many options for Chinese investors to invest. However, along with the continuous development of Internet finance, there are also many problems. The development time of Internet finance is relatively short, but its development speed is fast, which makes it have many loopholes in the regulatory system, and the market risk is bigger. In order to maintain a good development of the Internet financial market, it is necessary to speed up the establishment of the whole Internet financial supervision system, improve the relevant legislation, and provide a system guarantee for the healthy development of the Internet financial market. In view of the risks in the development of Internet Finance and the current situation of supervision, this paper puts forward some specific supervision suggestions and measures for China's Internet finance from the aspects of laws and regulations, the clear subject of supervision, the strengthening of information disclosure, the improvement of the market access mechanism and the self-discipline management of the industry.

关键词：互联网金融；监管；市场风险；制度完善；

Keyword: the internet finance; risk; supervise; countermeasure

目    录

一、互联网金融概述 5

（一）互联网金融的定义 5

（二）互联网金融的基本特征 5

1.大数据化 5

2.普惠性 6

3.高效性 6

二、互联网金融监管概述 6

（一）互联网金融监管的定义 6

（二）互联网金融监管的相关原则 6

1.鼓励创新原则 6

2.监管统一原则 6

3.底线思维原则 7

（三）互联网金融存在的风险 7

1.信息安全风险 7

2.资金风险 7

3.法律风险 7

三、我国互联网金融监管存在的问题 7

（一）互联网金融监管相关立法有待完善 7

（二）监管主体不明确 8

（三）市场准入门槛偏低