袁嫣

【摘  要】在我国“互联网+”战略深入实施的时代背景下，“互联网+”与各个领域的融合日益深化。在这样的大背景下，互联网金融更是呈现出良好的发展态势，各类互联网金融平台越来越多。由于互联网金融具有开放性等突出特点，在发展的过程中也面临一系列风险因素。如何适应形势发展需要，大力加强对互联网金融风险的有效监管，是政府始终高度重视的重大问题。论文就政府如何进一步优化互联网金融风险监管方面进行了研究和探讨，在简要分析互联网金融以及主要发展模式的基础上，重点分析了互联网金融面临的风险，同时还对互联网金融风险监管存在的问题进行了综合分析，最后就如何促进政府更科学、更有效、更系统地开展互联网金融风险监管工作提出优化策略与方法。

【Abstract】In the context of the in-depth implementation of China's "internet +" strategy， the integration of "internet +" and various fields is deepening. In this context， internet finance is showing a good development trend， with more and more internet financial platforms. Due to its outstanding characteristics such as openness， internet finance also faces a series of risk factors in the process of development. How to adapt to the needs of the development of the situation and vigorously strengthen the effective supervision of internet financial risks is a major issue that the government has always attached great importance to. This paper studies and discusses how the government can further optimize the risk supervision of internet finance. On the basis of a brief analysis of internet finance and the main development modes， it focuses on the analysis of the risks faced by internet finance. At the same time， it also comprehensively analyzes the problems existing in the risk supervision of internet finance. Finally， it puts forward optimization strategies and methods to promote the government to carry out risk supervision of internet finance in a more scientific， effective and systematic way.

【关键词】政府;互联网金融;风险;监管

【Keywords】government; internet finance; risk; supervision

【中图分类号】F724.6;F832.1                                             【文献标志码】A                                                 【文章编号】1673-1069（2021）07-0069-04

1 引言

随着“互联网+”战略的深入实施，我国经济发展模式已经发生了深刻变化，特别是随着金融改革的不断深化，互联网金融呈现出快速发展的态势，已经成为我国金融体系不可匮缺的重要组成部分。尽管从总体上来看，随着我国对互联网金融风险监管力度的加强，互联金融在规范化发展方面取得了一定的成效，而且也与过去相比有了较大的进步和提升，但是由于互联网金融风险复杂多变，危害性愈发严重，如果不继续加强对互联网金融风险的监管力度，势必会制约互联网金融的科学和健康发展，甚至会对我国整个金融体系造成不良影响。……