论现下互联网金融的风险性

目  录

引言························································2

互联网金融的研究背景和意义······························3

研究背景··········································3

研究意义·········································3

互联网金融研究的思路和框架······························3

小结···················································4

文献综述····················································5

目前我国互联网金融的现状····································6

互联网金融机构良莠不齐·································6

投资者数量不断增加·····································6

市场信息真假难辨·······································6

监管体系缺乏健全·······································6

互联网技术有待提高·····································7

促进互联网金融发展的建议····································7

互联网技术完善·········································7

互联网金融机构业务发展规范·····························7

建立有效的监管体系·····································7

互联网金融法律法规完善·································8

实证分析····················································8

互联网金融研究的结论及展望··································8

研究结论···············································9

研究的不足及展望·······································9

  参考文献······················································10

致谢··························································11

引  言

前段时间跟同事聊天说起现阶段购买什么样的理财产品最划算，一方面呢手里也没有太多钱，另一方面呢把钱存在银行的利率越来越低，连去年同事介绍我用的一款叫陆金所的APP，如今也取消了很多高利率的产品。随着越来越多的网络理财平台如雨后春笋般上线，铺天盖地的广告、宣传，都说自己的产品是安全、可靠、高收益的，越来越分不清该选什么样的理财产品才是相对可靠的。互联网金融作为一种新兴产业，发展迅速，对传统金融模式、货币政策、金融监管和金融消费者权益保护都产生了重要的影响。有些公司为了吸引客户所谓的提高收益，要知道收益和风险是成正比的。然而最高人民法院《关于人民法院审理民间借贷案件的若干意见》规定：民间借贷的利率可以适当高于银行的利率，但最高不得超过银行同类贷款利率的四倍，超过部分将不受法律保护。也有很多平台是超过了这个界限的，像这类的平台要不就是奔着圈钱来的，募集到一定额度就跑，要不就是自融性公司均容易跑路，所以选择正规的理财平台来降低资金风险尤为重要。本文从互联网金融这个定义入手，分析现下我国互联网金融存在的风险。