摘要：随着科学技术的飞速发展，网络金融悄然取代了传统金融，成为现代金融发展的新趋势。然而，由于互联网金融的快速发展，不成熟的监管机制影响着互联网金融的健康发展，法律风险、信用风险等问题将层出不穷。因此，对网络金融监管的研究显得尤为重要。本文首先分析了互联网金融的发展现状和监管现状，然后介绍互联网金融监管对互联网金融发展的影响，并以蚂蚁集团的典型产品花呗作为主要研究对象进行案例分析，阐述了其发展现状、存在的风险及相应的监管措施，最后延伸至整个互联网，提出了完善互联网金融监管的对策。

 

关键词：互联网金融；金融监管；蚂蚁花呗

 

目 录

摘 要

Abstract

Contents

1  Introduction1

1.1 Significance and purpose1

1.2 Literature review2

2  Current status of internet finance in China4

2.1 The development of internet finance4

2.1.1 Commercial banks4

2.1.2 Small loan companies5

2.1.3 E-commerce6

2.2 The risks of internet finance7

3  Current status of internet finance regulation in China9

  3.1 The importance of internet finance regulation9

  3.2 The measures of Internet financial regulation in China10

3.2.1 Establish a comprehensive dynamic regulatory mechanism10

3.2.2 Strengthen the protection of financial consumers' rights and interests10

  3.3 The problems of Internet financial regulation in China11

3.3.1 Lack of perfect security information system11

3.3.2 Lack of sound laws and regulations11

3.3.3 Inadequate supervision12

4  The case study of Huabei13

4.1 Development status of Huabei13

4.2 The current risks of Huabei14

4.2.1 "Cash out" risk14

4.2.2 Credit rating risk15

4.2.3 Cyber security risks15

4.2.4 High leverage risk16

4.2.5 Policy risk17

4.3 Corresponding regulatory measures for Huabei17

5  The measures for internet finance regulation21

5.1 Strictly control the access mechanism and exit mechanism21

5.2 Strengthen the regulatory system22

5.3 Strengthen the credit construction of Internet Finance22

6  Conclusion24

References25

Acknowledgements