Research On The Legal Regulation Of China's Electricity Commerce Of Internet Consumer Finance

China's electricity commerce of internet consumer finance is the project of the common development of China's electricity finance?Internet finance and consumer finance,is the emerging forms of china's Internet finance and the important part of China's consumer finance.With the promulgation of ‘the guidance to promote healthy development of the Internet finance'?‘the guidance to increase financial support for new consumer areas' and other documents,the status of Internet consumer finance has been affirmed and supported.With the change of consumer attitudes,the development of consumer finance in China is becoming more and more vigorous,and the forms are becoming more and more diverse.At the same time,with the development of the electricity commerce,the electricity commerce of Internet consumer financial product represented by ‘Huabei'?‘Baitiao'has been loved by the young groups because of its easy operation,low threshold and low costs.It has been the essential part of Internet consumer finance and the important form of payment of the young consumers.But it also has shortcomings.Such products in China start late,at present our current legal norms can not be fully applied to it,and the targeted laws and regulations has not issued which leads to its lack of the basic legal basis for regulation.At the same time,the threshold of its access is too low,the regulatory body is uncertain,the exit mechanism is not established all shows that there are obvious shortcomings in the legal regulation of China's electricity commerce of internet consumer finance,and improve the legal regulatory system is necessary.Therefore,this thesis is on the subject of he legal regulation of China's electricity commerce of internet consumer finance.,analyzing the development of its situation and the necessity of its regulation,and trough analyzing the problem of the market access,market operation and market exit,drawing an idea to remedy.According to the subject,the main contents of this thesis will be composed of the following parts:The first part is an overview of the definition and development of internet consumer Finance.This part introduces the basic concept and legal structure of Internet consumer finance,takes the represented products for the example to analyze the overall situation of China's electricity commerce of internet consumer finance through the questionnaire.And through the analysis of the legal problems of each product to draw a common,lay the foundation for the following writing.The second part is the necessity of the legal regulation of China's electricity commerce of internet consumer finance.This part analyzes the risks and rights protection of the financial consumer and the electricity company,and analyzes the necessity of the legal regulation of China's electricity commerce of internet consumer finance according to the analysis.The third part is the analysis of the problem of the legal regulation of China's electricity commerce of internet consumer finance.This part analyzes the situation and the shortcomings of the regulation of the internet consumer finance about its market access,market operation and market exit,which leads to the following idea of its regulation.The forth part is the conceptions on perfecting the legal regulation of China's electricity commerce of internet consumer finance.Based on the analysis of above problems,this part puts forward the conceptions of the legal regulation of I China's electricity commerce of internet consumer finance,including setting the threshold of entry,determining the regulatory body,focusing on finance Consumer protection and electricity protection,improve the market exit system and so on.