互联网金融的国际经验、风险分析及监管

互联网金融是将电子支付与金融业相结合的一种产物，也是金融供需存在缺口以及渠道创新下的必然产物，它最显著的优势就是创新。央行作为金融管理部门，关注和鼓励互联网金融的创新，并针对创新过程中存在的风险加强监管，2014年3月13日，央行下发紧急文件暂停支付宝、腾讯的虚拟信用卡产品，同时暂停的还有条码（二维码）支付等面对面支付服务。央行强化互联网金融监管，对互联网金融的健康可持续发展有其重要意义。本文收集整理了国外互联网金融的业务类型及主要经验，分析了我国互联网金融发展面临的主要风险，提出强化监管规范我国互联网金融发展的建议。

International Experience,Risk Analysis and Supervision of The Internet Finance

the Internet financial is a product of electronic payment and the financial sector combined with the financial supply and demand exists, but also an inevitable product of gap and channel innovation, its most prominent advantage is that innovation. The central bank as a financial management, attention and encourage Internet financial innovation, aimed at the risk of the innovation process to strengthen supervision, in March 13, 2014, the central bank issued an urgent document suspend pay treasure, Tencent virtual credit card products, at the same time, pause and bar code to pay such face-to-face payment service. The central bank to strengthen the Internet financial regulation, has its important significance to the healthy and sustainable development of Internet finance. We collect the service type and the main experience of foreign Internet banking, analyzes the main risks facing the Internet financial development in our country, puts forward to strengthen the regulation of Internet financial development of our proposal.