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HebeiUniversitycoursepapers PAGE\*MERGEFORMAT1 HebeiUniversitycoursepapers PAGE\*MERGEFORMAT7 ThefinancialriskoftheInternetanditseffectiveregulation 【Abstract】TheemergenceoftheInternettechnologyandrapiddevelopmenthaschangedhumansociety.ButInternetbankingintherealizationofInclusiveFinanceatthesametime,tothefinancialsystemrisks.AndhowtoregulateInternetbankingistopromotethekeyproblemofthedevelopmentofInternetbanking.TheInternetgoldmeltinghastheriskofanddiscussestheriskofInternetbanking,andbasedonthisproposedInternetbankingsomeeffectivesupervisionofpolicyrecommendations. 【Keywords】Internetbanking;risk;supervision One,introductionInrecentyears,alongwithbigdata,cloudcomputing,therapiddevelopmentofmobileInternetandtheInternetofthingstechnology,humansocietybeingwalkedintotheclouderaeternallyshifting.Thefinancialindustryandtheeconomicactivitiesofhumanconcomitantofoldindustry,ontheonehand,thetraditionalfinancialindustryisfacingseriousandcomplexchallenges,whatisbeingwidelyconcerned;ontheotherhand,theInternetandthefinancialindustrysymbioticfusionandInternetbankingislikefireliketeadevelopedcoruscatemoreandmorepowerfulvitality.ChinaisoneofthecountrieswiththemostactiveInternetbanking,toparticipateinawiderange,influenceandpenetrationforcestrong,makestheworldlookaskance.Inthispaper,throughasystematicanalysisoftheInternetfinancialriskrelatedissues,inordertotoimprovethetheoryofInternetfinancialriskandpreventiontoprovideapossiblemethodandbasisfortheconstructionofthesystem.Two,thepresentsituationofInternetFinancialDevelopmentThedevelopmentofChina'sInternetbanking,sofarhasgonethroughthreestages.Thefirststageisbefore2005,acombinationofInternetandfinancemainlyontheInternetforfinancialinstitutionstoprovidetechnicalsupport,helpthebankstomovetheirbusinessonline,accuratesenseisnorealInternetbankingformat.Thesecondstageis2005toaround2011,networklendingbegansproutinginChina,thethirdpartypaymentinstitutionsgrewup,acombinationofInternetandfinancefromtechnologyintofinancialbusiness.Thiss