回归金融本质：互联网金融创新与“e租宝”案
Research on the Nature of Return to Finance, Internet Financial Innovation and “e Rent Treasure”

互联网金融创新是“双创”的重要领域，“e租宝”案例表明：互联网金融平台爆发式增长的同时积累了各类风险。互联网金融创新应回归金融本质，应用市场链理论可将互联网金融风险模块化为管理与技术的内控风险、超高利息承诺信用风险、低资产客户评估风险、监管生态风险、原始资本薄弱风险和模块间信息传递风险六个模块。互联网技术只是解决金融业务信息不对称的手段，应从金融本质视角出发结构化地防范互联网金融风险。
Internet financial innovation is an important area of "entrepreneurship and innovation". "e-Rent Treasure" case studies have proved that the growth of the Internet financial platform explodes while accumulating many kinds of risks. Internet financial innovation should return to the financial nature. According to the market chain theory, the high risk points of Internet finance is divided into six risk blocks, such as, the internal control risk of management and technology, ultra high interest commitment credit risk, the low asset customer assessment risk, the risk of regulatory ecology, the weak risk of the original capital book and the risk of information transfer between modules. Internet technology is only a means to solve the information asymmetry of financial business. Internet financial risks can be structured to prevent from the perspective of financial nature.