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| 互联网金融监管现状及分析——以蚂蚁集团为例
摘 要
当前我国经济已经进入新常态，科技正在改变着我们的生活，越来越多的消费者开始摆脱传统的消费方式，选择线上交易。互联网金融在对传统金融行业创新的同时，也面临着诸多风险，互联网金融一方面涉及互联网，一方面连接着金融业，具备双方的风险，风险更加复杂、影响更广，也更加难以控制，当前我国互联网金融监管体系尚不完善， 法律法规体系不健全，导致我国互联网金融监管存在许多不到位的地方，有风险就要进行规制，本文分析了互联网金融的发展现状，互联网金融风险的类型和特征，研究了我国互联网金融监管的现状和存在的问题，借鉴了国外发达国家互联网金融监管的经验，并以蚂蚁集团为案例，回顾蚂蚁集团业务变迁的历程，分析蚂蚁集团的盈利模式，并分析了网络小贷新规对蚂蚁集团的影响，从而在监管体系、风险控制、 信息安全建设三个方面有针对性的提出了我国互联网金融监管的对策与建议。
关键词：互联网金融；互联网金融风险；互联网金融监管
Abstract
At present, China's economy has entered a new normal, technology is changing our lives,more and more consumers can get rid of the traditional way of consumption, choose online trading. While innovating the traditional financial industry, Internet finance is also faced with many risks. On the one hand, Internet finance involves the Internet,on the other hand, it connects the financial industry, and has the common risks of both. The risks are more complex, more influential, and more difficult to control.At present, China's Internet financial regulatory system is not perfect,The imperfection of laws and regulations system leads to many deficiencies in China's Internet financial supervision. If there are risks, we should regulate them.This paper analyzes the development status of Internet finance, the types and characteristics of Internet financial risks,studies the current situation and problems of China's Internet financial supervision,and draws on the experience of foreign developed countries in Internet financial supervision Taking ant group as a case,this paper reviews the course of business changes of ant group, analyzes the profit model of ant group, and analyzes the impact of the new regulations on Internet small loan on ant group, so as to put forward the countermeasures and suggestions on China's Internet financial supervision from three aspects of supervision mode, supervision system and supervision mode.
Key words: Internet Financial; Internet financial risk; Internet financial supervision2
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