Research On Internet Financial Legal Regulation Sistem In China

With the development of computer and the Internet rapidly and widely used,the number of Internet users has increased dramatically,people’s work life is inseparable from the Internet. In the even fruit take-away utilities can be done on the Internet era,the rise of the network financial services is not surprising. In the financial services industry, The full use of information technology promoted the financial business update in the form of organization and service,online banking business promotion is also an important part of innovation. Modern information technology, represented b the Internet,will have a significant impact on the financial model,。On June 13,2013,the third part platform Alipay,launched a value-added services "u’ebao ",this kind of business of financial industry is a huge influence to our country. the success of " u’ebao ",is a major challenge to the traditional financial services, Also is a perfect spur of the legal supervision system network financial market to China. In today’s 21 st century, Networking is gradually developing into people’s lives, The financial services network will inevitably become the development trend of the future. With the gradual innovation development of financial services on the Internet,it’s also put forward higher requirements for the perfection of laws and regulations. Aware of the risk of network financial services, Discuss how to build and perfect the financing law regulator system network,is a vital role to make up the blank of our country law in the network financial regulation.Remove the conclusion will be divided into four parts, this paper research framework just as follows:The first chapter puts forward the definition of financial and Internet finance, and puts forward the characteristics of the Internet financial, including business innovation, management innovation, market innovation and regulation innovation four points. B Internet financial,we got the definition of traditional financing and Internet financing, at the same time,we overview them.The second chapter balanced treasure, for example the paper analyzes the current situation of the network financial services, the characteristics of the network financial services exist in China,its existing advantages and disadvantages and risks.The third chapter analyzed the status quo of Internet financial planning problem of Internet financial legal regulation in our country,including the regulator system is not sound, the third-part payment platform and third-part financial institutions have regulating problems. These problems are further expounded.The fourth chapter is on the third chapter to make a response to the proposed problem. Financing the principle of legal regulation network, improve the network financial legal supervision system,strengthen the third-part payment platform and third-part financial institutions of the legal regulation.Based on the main line " u’ebao ", The article compared and described the traditional financial services and financial services network, analysis the risk advantages and disadvantages of the emerging financial services of network,to find the problem of network financial services law regulation in our country,reference the regulation of developed country,puts forward suggestions on financing legal regulation network in China.