我国网络金融风险成因分析及防范对策
摘要：以计算机网络技术为核心的信息技术革命，给整个社会经济带来了前所未有的机遇和挑战，而网络金融作为21世纪金融业的1场革命，在短短的几年间得到了迅速发展，日益受人瞩目。它引发了金融机构的经营管理模式、中央银行的货币政策操作、金融业的运作机制等方面的1系列重大变革。但同时它也带来了各种各样的金融风险，并使网络金融业的展受到1定的限制。面对网络经济大潮的冲击，中国的金融业如何抓住机遇，顺应国际金融业的发展潮流，大力推进我国网络金融的发展，成为提高中国金融业竞争力的重要内容。因此，加快金融改革步伐，切实预防和逐步化解网络金融风险具有重要的.现实意义。本文从我国网络金融及其所隐含的金融风险的现状出发，全面分析了我国金融风险产生的原因。并在剖析了当前防范金融风险的现实环境的基础上，提出了相应的防范和化解金融风险的对策。
关键词：网络金融；风险；成因
the Origin Analysis and Guarding Mechanisms on
Chinese Network Financial Risks
Abstract: Informational technology revolution, which takes the computer network technology as the core, has brought the unprecedented opportunities and the challenges for the whole social economy. But the network finance, as a 21st century finances industry revolution, has obtained rapid development during the short several years, and focused attentions of people day by day. It has initiated series of significant transformations, such as the way of financial organizational management, Central Banks monetary policy operation and finance industry operation mechanism, and so on. Facing the impact of the network economical tide, how does Chinese finance industry catch the opportunity, complies with the current tide of the development of international finance industry, and vigorously advances our country’s network financial development, is important content of enhancing the competitive ability of Chinese finance industry. Therefore, speeding up the financial reformation steps, practically preventing and gradually reducing the financial risks, has important practical significance. This article, bases on the present situations of network finance and financial risks, which are contained in network finance, has comprehensively analyzed the reason of the producing of financial risks, and proposed the corresponding guard and countermeasure of melting the financial risks, While analyzing the realistic environments of guarding finance risks at present.
Keywords: network finance；risk；origin
