互联网金融是以互联网为载体,以大数据等技术为基础,通过先进的技术手段来缩短交易路径,进而形成典型的金融创新业务。互联网金融的本质是信息技术革命前提下的业务改变。在新的技术支撑下,通过人与人、人与物的互联互通,参与金融活动,包括企业和个人,实现普惠金融服务大众的本质,更好地发挥互联网金融的市场价值。当然,这也无形中改变了以往政府金融监管的格局,为金融监管带来新的挑战。互联网金融是建立在新的信息技术手段上的对传统业务的创新,因此对于互联网金融的监管不能停留在传统的方式和方法上。在新时期,运用大数据的技术手段实现对互联网金融行业的监控和监管,实现高质高效的监管策略,最大限度地维护投资者的利益,保障市场的规范运行至关重要。本文主要从互联网金融数据的监控和分析以及互联网金融舆情的监控角度出发,对大数据技术在互联网金融监管手段的方式方法进行初步的研究。
<<Online finance relies on the Internet as a carrier and relies on technologies such as big data to shorten the transaction path through advanced technical means to form a typical financial innovation business.The essence of Online finance is the business change under the premise of information technology revolution.Under the new technology,through interpersonal and interpersonal relationships,we will participate in financial activities,including enterprises and individuals,to realize the essence of inclusive financial services and make better use of the market value of Online finance.Of course,this also virtually changed the pattern of the government's financial supervision in the past,bringing new challenges to financial regulation.
Online finance is based on the new means of information technology on the traditional business innovation,and the regulation of Online finance can't stay in the traditional ways and means.In the new era,it is of vital importance to use the technology of big data to monitor and supervise the Online finance industry,to achieve a high-quality and efficient regulatory strategy,to safeguard the interests of investors to the greatest extent and to ensure the normal operation of the market.This article is mainly from the Internet financial data monitoring and analysis as well as the Internet financial public opinion monitoring point of view,on the big data technology in the Internet financial regulatory means and methods for a preliminary study.
<<Keywords: | Big DataInternet FinanceP2PCash Loan |