2025-05-24 行业资讯 0
在《互联网金融报告2015》中，博鳌亚洲论坛指出，未来互联网金融将呈现出一些重要趋势。一是手机银行和网络银行将进一步便捷化；二是传统金融业务将更加网络化；三是大数据在金融互联网化中的作用会越来越大。Internet finance, a term that has been sweeping across the globe, is characterized by rapid expansion of business scope and explosive growth in industry scale. However, such wild growth has also brought about numerous hidden dangers.
Take p2p network lending as an example. The report highlights the lack of unified entry barriers and screening standards within the industry, leading to a mix of good and bad players; insufficient risk prevention and loss recovery mechanisms further exacerbate the problem. Once fraudulent activities or platform bankruptcies occur, it often leaves authorities with little recourse but to grapple with conflicts.
Healthy development of internet finance relies on both internal self-regulation and external supervision. While individual enterprises and professionals must take responsibility for their actions, industry associations play a crucial role in self-regulation.
The article emphasizes that "industry self-regulation" combined with robust external oversight is essential for constructing a secure internet financial system. Central banks and regulatory bodies must establish more comprehensive tracking systems for funds, data analysis tools, and risk monitoring networks. Moreover, timely legislation governing internet finance rules and supporting regulations are indispensable to address the current lag between financial practice and regulation.
In summary, this piece delves into China's technological achievements in shaping a well-ordered internet financial landscape while underscoring the importance of balancing internal self-discipline with external governance to ensure safety in this rapidly evolving field.
