The Research Of The US Internet Finance

In recent years, the rapid development of Internet technology has a series of profound changes for various industries. It relies on deep integration of Internet technology and various fields, providing a great convenience to people life. The integration of Internet and Finance is an important part. Nowadays, Internet Finance has been developing rapidly in China, especially the third-party payment, the raise and the P2 P mode make investors enjoy the fruits of Internet Finance, which fill the gap of traditional financial institutions meeting the individual needs of investors and convenient financing for small and micro enterprise and conform the trend of financial disintermediation. But at present,investors’ rights and interests cannot get effective protection because Internet Finance lacks fully effective regulation, exposes mixed qualification and risk control is not sound in our country. As the world economic leader, economic dimension, financial model and technology innovation of The United States are located in the leading position. The United States is also the earliest Internet Finance state, forming the multivariate system with P2 P, crowdfunding, third-party payment and online platform in finance institutions. Under the rich experience, the US has been regulation of Internet finance has accumulated very, adhere to the principle of macro prudential supervision, the federal government and state level multilevel functional regulatory system. Therefore, it is very significant to reference regulatory experience of the Internet Finance in the United States to accelerate to develop Internet financial regulations of our country.Firstly, the paper explains related theoretical basis of the Internet Finance, expounds disinter mediation and the background of interestmarketization during the development of Internet finance and analyzes the three main stages divided by the characteristics of different periods of Internet financial development in the United States. Secondly, analyzes the operation mode of the Internet finance in the major areas, especially analyzes the business development and business composition of the Internet financial firms in the relevant industry from the first three Internet financial majors, third-party payment, crowd funding and P2 P loans. Finally, overviews the regulatory framework pattern and principle of American Internet finance, explains the main bill and measures in different industries, and puts forward specific advice to our country financial regulation measures according to the Internet financial regulation experience in American.