CAJ | 학술논문

互联网金融在推动我国金融业创新的同时，也对传统金融业造成了巨大的冲击。目前我国互联网金融企业面临制度监管缺位、传统金融压力、技术安全隐患、征信系统不完善以及金融创新不足等现实困境。因此，应尽快明确金融主体、建立信息共享机制、建立互联网金融安全制度、创新互联网金融盈利模式等，以促进互联网金融企业的健康发展。
호련망금융재추동아국금융업창신적동시，야대전통금융업조성료거대적충격。목전아국호련망금융기업면림제도감관결위、전통금융압력、기술안전은환、정신계통불완선이급금융창신불족등현실곤경。인차，응진쾌명학금융주체、건립신식공향궤제、건립호련망금융안전제도、창신호련망금융영리모식등，이촉진호련망금융기업적건강발전。
Internet finance promotes financial industry's innovation in China, at the same time, causes a great impact on the traditional financial industry. The existing internet financial enterprises of our country face many dilemmas, for example, the lack of system super-vision, traditional financial pressure, hidden danger of technical security, unperfected credit system, insufficient financial innovation and so on. Therefore, measures should be taken such as clarifying financial subjects, establishing an information sharing mechanism, establishing internet financial security system, innovating internet financial profit mode as soon as possible, in order to promote the healthy development of internet financial enterprises.