Rsearch On Regulatory Guidelines Of Internet Finance

The rapid rise of Internet Finance adds fresh blood to financial industry, promotes innovation of financial activities, advances process of inclusive finance. Its building up and developing are based on internet, so it presents the characteristics of low cost, high efficiency and wide coverage, and it injects new risks to the financial industry. Internet finance has broken through the range of traditional financial regulation, and challenged the traditional financial regulation mode. 2015 is called the first year of internet financial regulation. The formulating of “guidance”makes up for a large number of regulation gaps, but it can’t solve specific issues because it doesn’t form a complete set of relevant details and tends to be political guidelines. This paper, by comparing with traditional finance and taking the latest Internet Finance forms for example, analyzes regulatory difficulties from the main mode of regulation, regulatory method and the scope of regulation. Then, based on the current development of China’s financial industry and the advanced extraterritorial experience, the paper positions and constructs regulatory mechanism of Internet Finance.