我国互联网金融发展的问题及对策ProblemsandcountermeasuresofthedevelopmentofInternetfinanceinChina摘要近年来，在信息技术快速发展的今天，因特网已经深入到各个产业和社会的各个方面，并与人们的日常生活紧密地联系在一起。大数据技术应运而生，智能化的服务更加便捷了人们的生活，为人们带来更高质量的服务体验。同时，也为金融行业触发新的增长点和着力点提供了强有力的支持。现在，互联网金融已经成为最方便快捷的金融手段，金融业互联互通，日常支付、交易、投资等行为方式的产生，使人们每时每刻都能感受到网络金融科技的便利。互联网环境下，由于其低成本、超便携的操作特质，快速笼络了人心，使得金融网络化成为主流。但是科学技术是把双刃剑,在为人们带来高效、便携的同时，也隐藏着一系列的金融风险，由于我国的互联网金融的发展还未成熟，互联网金融在操作和管理过程中问题时有发生。所以本文针对目前我国互联网金融发展问题进行分析,针对互联网金融发展关于主体、人才、法律、监管等方面,提出一定的监管建议。关键词：互联网金融；问题；对策ProblemsandcountermeasuresofthedevelopmentofInternetfinanceinChinaAbstractInrecentyears,withtherapiddevelopmentofinformationtechnology,theInternethaspenetratedintomanyindustriesandkeptclosecontactwiththepubliclife.Bigdatatechnologyarisesatthehistoricmoment.Intelligentservicemakespeople'slifemoreconvenientandbringspeoplehigherqualityserviceexperience.Atthesametime,italsoprovidesstrongsupportforthefinancialindustrytotriggernewgrowthpointsandfocuspoints.Internetfinancehasbecomethemostconvenientfinancialmethodatpresent.Withtheinternet-basedfinancialindustry,peopleenjoytheconveniencebroughtbyInternetfinancialtechnologyallthetimeintheprocessofdailypayment,transactionandinvestment.IntheInternetenvironment,duetoitslowcost,ultra-portableoperationcharacteristics,quicklywinoverpeople,makingthefinancialnetworkbecomethemainstream.However,scienceandtechnologyisadouble-edgedsword.Whilebringingefficiencyandportabilitytopeople,italsohidesaseriesoffinancialrisks.AsthedevelopmentofInternetfinanceinChinaisnotyetmature,RiskproblemsoccurfromtimetotimeintheoperationandmanagementofInternetfinance.Therefore,thispaperanalyzesthecurrentrisksofChina'sInternetfinance,andputsforwardsomeregulatorysuggestionsforthedevelopmentofInternetfinanceintermsoftalentsandlaws.KeyWords：Internetfinance；Questions；Countermeasure目录摘要.....................................................................................................................................IAbstract..................................................................................................................................II一、绪论................................................................................................................................1（一）研究背景............................................................................................................1（二）研究目的与意义................................................................................................11.研究目的............................................................................................................12.研究意义............................................................................................................2（三）研究思路与研究内容........................................................................................2（四）研究方法与拟创新之处....................................................................................21.研究方法.....
