Research On Internet Finance And Its Supervision

Internet finance into people’s horizons in 2013 and the concept of Internet finance is written into the government’s 2014 work report. Sailed in 2015, Prime Minister Li Keqiang proposed "Internet +" plan in the report. Internet changed people’s way of life, made the finance industry ushered in the great change. Internet finance is finance and penetrated the results of the network technology, and it is adhering to the "equality, open, innovation, share" spirit of the Internet, make a money payment, finance and information intermediary service is a new era of rapid development. Internet finance’s new mode of finance services, broaden the connotation of finance services entity economy and space, enhances the universality of the finance system and democratization.At present, some security flaw has also exposed in the process of Internet finance development, lack of legal, regulatory, compliance, business operation and the risks of social credit system is imperfect and so on appeared gradually, the development of the Internet finance faces many challenges. This paper defines three Internet finance business models. We should realize for the existence of different kinds of risks, adopt the corresponding mode of division. Results revealed that the current China’s Internet finance overall in a high-risk state, and put forward countermeasures and Suggestions on this basis.The whole paper is divided into five chapters altogether, the first part mainly summarizes the research background of this topic, significance of systemic and relevant literature review. In the second chapter, the paper introduces the Internet finance background, definition and three core parts. At the same time, the development of the Internet finance model as the center of gravity, the third-party payment business model in finance investment, financing Internet business model and the Internet business model, and summarizes the general analysis of the Internet finance development situation at home and abroad. The third chapter, respectively expounds the advantages of the Internet finance and its effect to the impact brought by the traditional commercial bank. The author analyses the necessity of development of the Internet finance. Through the discussion of the previous section, and then combined with the data analysis, research our country in the current social and economic background, the problems faced by small micro enterprise development, focus on listing the Internet finance model to alleviate the innovation of the small and medium-sized enterprise financing difficult problem, these are borrowed from P2 P credit financing mode, in the hope of our country small and medium-sized enterprises in the process of development in the future can be more smoothly; Finally, the paper analyzes the Internet finance plays a positive role in countryside finance. The fourth chapter, in the development process of the Internet finance risk factors made a concrete analysis. Respectively finance in the process of evolution of the Internet technology risk, business risk, law risk and credit risk, etc, is introduced and analyzed. Chapter 5, according to the above analysis, this article put forward under the condition of the development and problems coexist, expounds the Internet finance regulatory problems. Whether you need this part discusses the Internet finance regulation and in view of the Internet finance regulatory agencies, regulatory coordination and self-discipline, legal system and the construction of social credit in perfect countermeasures and Suggestions are put forward. The end of the article to the full text has carried on the generalization and summarization of the height, and prospects the future research.