CAJ | 학술논문

新形势下，我国互联网金融发展迅猛。从参与主体、业务模式、运行机制和市场规模四个维度对其现状进行分析，指出互联网金融法律法规缺失、监管主体缺位以及风险复杂多样且影响深远等突出问题，建议构建理论体系和政策框架、完善监管体系和加快推进征信业发展，并提出以互联网金融发展推动金融发展方式转变与结构调整的构想。
신형세하，아국호련망금융발전신맹。종삼여주체、업무모식、운행궤제화시장규모사개유도대기현상진행분석，지출호련망금융법율법규결실、감관주체결위이급풍험복잡다양차영향심원등돌출문제，건의구건이론체계화정책광가、완선감관체계화가쾌추진정신업발전，병제출이호련망금융발전추동금융발전방식전변여결구조정적구상。
In the new circumstances, a rapid development has been gained in China's Internet finance. An analysis is made on the present situation of Internet finance from participators, business mode, operation mechanism and market size, indicating such far - reaching problems as lack of laws and regulations about Internet finance, lack of supervisory body and complication of risks. Suggestions are proposed on constructing the theory system and policy frame, improving regulatory system and speeding up the development of credit reporting industry. The paper also presented the idea that we should promote financial development mode change and structural adjustment in the way of developing Internet finance.