CAJ | 학술논문

互联网金融的代表产品诸如余额宝、P2P、第三方支付对传统银行业务带来冲击和影响，但又蕴藏着机遇与风险，一方面它是互联网时代金融行业创新发展的新阶段；另一方面，其准入无门槛、行业无准则、监管无机构的“三无”现状也隐藏了巨大的信用风险。针对理财产品、信贷平台、第三方支付存在的风险，提出余额宝类互联网金融理财要依托电商生态网络进一步扩张，将医疗服务等多层次产品和服务供应商融入该生态网络，提升交易量；P2P平台可与银行合作，传统金融机构也可开展P2P金融；第三方支付平台要加强监管、缴纳风险准备金、加强立法。
호련망금융적대표산품제여여액보、P2P、제삼방지부대전통은행업무대래충격화영향，단우온장착궤우여풍험，일방면타시호련망시대금융행업창신발전적신계단；령일방면，기준입무문함、행업무준칙、감관무궤구적“삼무”현상야은장료거대적신용풍험。침대리재산품、신대평태、제삼방지부존재적풍험，제출여액보류호련망금융리재요의탁전상생태망락진일보확장，장의료복무등다층차산품화복무공응상융입해생태망락，제승교역량；P2P평태가여은행합작，전통금융궤구야가개전P2P금융；제삼방지부평태요가강감관、격납풍험준비금、가강입법。
The financial products on behalf of the Internet, such as the Yu＇ebao, P2P, development trend of third-party payments, as well as its impact on the traditional banking business is analyzed, revealing the internet financial reserves risks and opportunities, on the one hand it is a new stage in the Internet era of innovation and development of the financial sector;, on the other hand, the ＂three noes＂ status quo also hides a huge credit risk, which is the no entry barriers, industry, no guidelines and no regulatory agency. Aiming at the risk of financial products, credit platform, the third-party payment exists, the author proposes the balance treasure kind of Internet financial to rely on electric business ecological network further expansion, the multi-level medical service suppliers of products and services into the ecological network, increases trading volume; The P2P platform cooprates the hank, the traditional financial institutions also carry out financial P2P; The third-party payment platform to strengthen supervision, pay the risk reserve and strengthen legislation.