金融监管对互联网金融创新的风险与发展影响研究

通过系统梳理互联网金融监管政策以及互联网金融创新的发展现状，构建方差分析模型实证检验监管政策的影响得出：首先，互联网金融监管政策的实施有效遏制了互联网金融企业数量的增长，但未能有效降低互联网金融创新的风险。其次，监管政策显著降低了互联网贷款利率和提高了互联网贷款规模，有力提高了互联网金融创新服务实体经济的能力和水平。因此应进一步完善互联网金融监管体系，在促进互联网金融创新健康发展的同时降低金融风险事件的发生。

Research on the Impact of Financial Supervision on the Risk and Development of Internet Finance Innovation

Through systematically reviewing the development of Internet financial supervision policies and Internet financial innovations,and the variance analysis models are constructed for testing the impact of regulatory policies:Firstly,the implementation of Internet financial regulatory policies effectively curbed the growth of Internet financial enterprises,but failed to be effective to reduce the risk of internet financial innovation.Secondly,the regulatory policy has significantly reduced the Internet loan interest rate and increased the size of the Internet loan,which has effectively promoted the ability and level of Internet finance innovation to serve the real economy.Therefore,the Internet financial supervision system should be further improved to reduce the occurrence of financial risk events while promoting the healthy development of Internet finance innovation.