互联网金融信息安全风险分析与应对

陈哲谦

摘要：随着“互联网+”行动计划成为国家战略，互联网金融行业创新发展得到了我国的肯定、鼓励和支持。新的互联网金融词汇扑面而来，例如众筹、财付通、微信支付等，改变了人们的日常生活方式和消费习惯，足不出户便能享受金融服务。互联网金融的便捷、高效和低成本化使其成为了人们投资理财的重要渠道，也使银行柜面替代率不断提升。而在互联网金融的发展过程中，因信息安全导致的风险随之而来，特别是在第三方支付、P2P网贷方面的安全事件频发，使互联网金融的信息安全风险受到广泛关注。本文通过对互联网金融发展现状及信息安全风险进行分析，提出相应的应对方案。

关键字：互联网金融；信息安全；

中图分类号： F724 文献标识码：A 文章编号1672-3791（2016）05（c）-0000-00

Abstract：With the action plan of “internet +” becoming a national strategy， the innovation and development of internet financial industry has been recognized ，encouraged and supported in our country. New internet financial vocabularies are rushing into our life， such as crowdfunding， tenpay and payment by Wechat， which have changed our daily life and consuming habits， making people enjoy the financial services at home. The convenience， high efficiency and low cost of the internet finance make itself become an important method for people to invest and finance， making the possibility of taking the place of bank counters increase. However， with the development of internet finance， risks caused by information security are coming along with it. Especially the safety accidents， which are related to the payment through a third party or P2P internet load， happened frequently， they make information security risks about internet finance attract widespread public attention. This article is about to analyze the current development of the internet finance and information security risks， so as to put forward the corresponding solutions.

Key words：internet finance；information security

當今世界，科学技术日新月异，云计算、社交网络以及搜索引擎、APP等都逐渐融入到金融领域中，互联网的发展及其向金融领域的渗透，使我国的金融行业全面进入互联网时代，互联网金融在我国蓬勃兴起。虽然互联网丰富了金融模式，带来了方便快捷的服务，但是互联网金融信息安全方面的风险也逐渐显现，而互联网金融的参与者的风险防范意识也较为薄弱。根据互联网有关数据显示，互联网金融在信息安全环节上存在风险因素，需要加以改善和加强。本文通过对互联网金融发展现状及信息安全风险进行深入分析，提出相应的应对方案。

1互联网金融概述

1.1互联网金融的定义