中文摘要：

互联网行业和金融领域内在的发展需要,尤其是金融变革的深层次需要,驱动着互联网金融的快速发展。互联网金融在便利群众日常生活、给各国经济活动带来巨大推动力的同时,也加剧了金融市场的不稳定。互联网金融除了拥有与传统金融领域一样的风险种类之外,还带来了新的风险种类,如特有的理论基础风险、运行模式风险、特有的法律法规风险等。面对互联网金融带来的新风险,如何对其进行有效防范,规避特殊风险带来的负面效应,促进我国互联网金融健康有序发展是一项迫在眉睫的重要研究课题。

英文摘要：

The internal needs of internet industry and financial sector, especially the deep needs of financial reform, drives the rapid development of internet finance. The internet finance brings convenience in daily life of the masses and promotes national economic development. At the same time, it also increases the instability of financial markets. The internet finance has the same risk as traditional financial markets, it also brings new risks, such as theoretical risk, operate model risk, law and system risk. Facing the new financial risks of internet finance, how to effectively prevent and avoid the negative effects of special risks is an imminent and important research subject to promote the healthy and orderly development of internet finance in China.