PAGE\*MERGEFORMATI摘要互联网的飞速发展，为各个行业带来了发展的新春。在李克强总理的大力推动下，“互联网+”迎来爆发式发展，其中最引人注目的就是互联网和金融的结合——互联网金融，越来越受到大家的追捧，为社会生活带来了便捷、智能。第三方支付平台、P2P平台、众筹等互联网金融平台如雨后春笋般奔涌而出，互联网金融的火爆程度到达前所未有的高度。但在互联网金融不断发展的过程中，也产生了一系列的问题，这些问题也已经严重阻碍了互联网金融的发展。本文通过对互联网金融发展现状的相关文献的梳理，结合当前互联网金融的发展现状，分析互联网金融发展中的问题，以支付宝花呗为例，针对互联网金融发展过程中关于立法、监管和潜在隐患等问题，从政府机构、相关企业及个人方面剖析问题产生的原因，最后对现阶段互联网金融发展存在问题提出切实可行的对策建议。关键词：互联网金融；蚂蚁花呗；发展问题；应对策略PAGE\*MERGEFORMATIIAbstractTherapiddevelopmentoftheInternethasbroughtanewspringofdevelopmentforvariousindustries.WiththevigorouspromotionofPremierLiKeqiang,theInternetplushasbeeninthestageofexplosivedevelopment.ThemoststrikingfeatureisthecombinationofInternetandfinance,whichhasattractedmoreandmoreattentioninrecentyears,bringingconvenienceandintelligencetosociallife.Thirdpartypaymentplatform,P2Pplatform,CrowdFundingandotherInternetFinancialplatformsarespringingup,andthepopularityofInternetfinancehasreachedanunprecedentedlevel.ButintheprocessofthecontinuousdevelopmentofInternetfinance,therearealsoaseriesofproblems,whichhaveseriouslyhinderedthedevelopmentofInternetfinance.ThroughcombingtherelevantliteratureonthedevelopmentofInternetfinance,thispaperanalyzestheproblemsinthedevelopmentofInternetfinance,combinedwiththecurrentdevelopmentofInternetfinance,takingAntCreditPayasanexample,aimingattheproblemsoflegislation,supervisionandpotentialrisksintheprocessofInternetfinancialdevelopment,analyzesthecausesoftheproblemsfromgovernmentagenciesandrelatedenterprises,andfinally,atthepresentstage.Putforwardfeasiblecountermeasuresandsuggestionstosolvethecorrespondingproblems.Keywords:onlinefinance;antcreditpay;developmentissues;copingstrategiesPAGE\*MERGEFORMATV目录TOC\o"1-3"\h\z\uHYPERLINK\l_Toc13576摘要PAGEREF_Toc13576IHYPERLINK\l_Toc10721AbstractPAGEREF_Toc10721IIHYPERLINK\l_Toc1739目录PAGEREF_Toc1739IIIHYPERLINK\l_Toc26268第1章绪论PAGEREF_Toc262681HYPERLINK\l_Toc104121.1选题背景和研究意义PAGEREF_Toc104121HYPERLINK\l_Toc118791.1.1选题背景PAGEREF_To