CAJ | 학술논문

互联网金融在“野蛮”增长后逐渐暴露出了一些问题，尤其是股权众筹、P2P等直接融资模式产生的信用违约问题颇受社会关注，给互联网金融的稳定发展造成障碍。本文从业务模式、特点及风险的角度对互联网金融进行介绍，从金融征信体系建设角度为互联网金融的健康稳定发展提供政策建议。
호련망금융재“야만”증장후축점폭로출료일사문제，우기시고권음주、P2P등직접융자모식산생적신용위약문제파수사회관주，급호련망금융적은정발전조성장애。본문종업무모식、특점급풍험적각도대호련망금융진행개소，종금융정신체계건설각도위호련망금융적건강은정발전제공정책건의。
After years of “barbaric” growth, Internet finance has gradually exposed some problems, especially the high-profile credit default of direct financing mode such as Equity-based crowd-funding and P2P, which stand in the way of its stable development. In this article, Internet finance is introduced from its business mode, characters and risks, and policy advice is provided from the perspectives of building financial credit investigation system.