中文摘要：

文章从整体的、有机的、能动的系统科学思维逻辑出发,深入考察分析互联网金融商业模式的发展演进及其异质性系统特性,探究金融与互联网时空交互情境下互联网金融系统的复杂交织路径以及系统多元参与主体与外部环境的动态协同进化,并运用金融系统工程方法,基于宏观环境与政策、信息技术、参与主体、运营操作四个维度构建互联网金融风险识别系统框架,以期为互联网金融模式创新和风险管理提供有效的系统性支持。

英文摘要：

This paper looks in depth at the evolution and heterogeneous systematic characteristics of internet financial business models from the perspective of integral, organic and active system science theory, and explores the complex interlaced path of internet financial system in the context of spatiotemporal interaction of finance and internet, as well as the dynamic co-evolution of system multiple participants and external environment. Moreover, by making use of financial engineering methods, this paper tries to construct a framework of internet financial risk identification system based on four dimensions of macroscopic policy environment, information technology, participants and operations, so as to provide effective systematic support for the innova- tion and risk management of internet financial models.