CAJ | 학술논문

互联网金融是互联网技术与金融交易相结合的一种崭新业态，2015年7月18日颁布的《关于促进互联网金融健康发展的指导意见》中将其定义为“传统金融机构与互联网企业利用互联网技术和信息通信技术实现资金融通、支付、投资和信息中介服务的新型金融业务模式”。随着互联网金融行业的兴起，金融交易的电子化、网络化，电子合同日益广泛的应用，必然会带来新的法律问题。电子合同与传统合同相比，具有相同的合同要素，但在合同订立、生效、履行、违约救济等各个环节，又表现出区别于传统合同的独有特性。
호련망금융시호련망기술여금융교역상결합적일충참신업태，2015년7월18일반포적《관우촉진호련망금융건강발전적지도의견》중장기정의위“전통금융궤구여호련망기업이용호련망기술화신식통신기술실현자금융통、지부、투자화신식중개복무적신형금융업무모식”。수착호련망금융행업적흥기，금융교역적전자화、망락화，전자합동일익엄범적응용，필연회대래신적법률문제。전자합동여전통합동상비，구유상동적합동요소，단재합동정립、생효、리행、위약구제등각개배절，우표현출구별우전통합동적독유특성。
Internet Finance is a new form of combination of Internet technologies and financial transactions. The “Guiding Opinions on Promoting the Healthy Development of Internet Finance” promulgated on July 18, 2015, defines Internet Finance as “a new financial business model in which traditional financial institutions and internet companies provide financing, payment, investment, and information intermediary services by using internet technologies and information and communication technologies”. With the rise of the Internet Finance Industry, the electronization and networking of financial transactions, the electronic contract is becoming widely used, which would bring new legal problems inevitably. Compared with the traditional contract, the electronic contract has the same contract elements. But in the stage of conclusion, effectiveness, performance and remedies, the electronic contract is evidently different from the traditional contract.