| In recent years,with the popularity of the Internet technology and mobile communication technology,the Internet financial in China developed fast.As a result,the year of 2013 also known as “the first year of China’s Internet financial”.Subsequently,China’s economy presents different features,into the new normal economy,the quality become the focus of economic development.As to adapt the new normal economy,Internet financial developed rapid,but the regulation has been in a state of blank.In 2015,the Internet financial regulation legal policy releasing,until March 25,2016,China’s first national self-discipline organization the establishment of the “China association of Internet financial” comprehensive regulation gradually in place,the Internet financial ushered in the first year of compliance.But with "Internet and financial” innovation emerge in endlessly,banking financial institutions,securities and insurance business between mutual penetration and the trend of cross constantly reinforce,part of the Internet financial institutions from pretty whinny financial,the absence of regulatory lag,the traditional regulatory model is no longer applicable to Internet finance,which as the good and evil people mixed up.Then,the pattern differentiated regulation real challenges are put forward.Understand the financial current situation of the Internet and to perfect the regulation as soon as possible,to promote the development of the industry better,at the same time,the rights and interests of consumers and investors to get a greater degree of protection.This article refer to the people’s bank of China “China financial stability report(2014)” elaborates the definition of Internet financial,and Internet financial has be classified into three financial model as traditional financial Internet,third-party payment and emerging financial forms.First of all,based on the literature review,the present development of the Internet financial information collected from multiple ways,contrast to traditional financial,it summarizes the advantages and defects and analyzed the economic particularity under the background of new normal Internet financial.Second,by analyzing the risks of the Internet financial innovation development and its characteristic,summarizes the particularity and the necessity of Internet financial regulation in China;At the same time,the financial development of the Internet in China regulatory policy is studied and summarized to find out the deficiency.Once again,it summarizes the Internet of the major countries’ thinking of financial regulation represented by the United States and Britain,and analyzed in detail to the third party payment,P2 P lending,crowd funding to represent instances of Internet financial regulation,summarizes its merits and defects.Finally,combined with China’s special economic situation,in clearly China Internet financial supervision mode and regulatory principles,on the basis of the organization system,the legal system of financial regulation from Internet,self-discipline supervision system and supervision coordination system,construct the Internet which accords with the situation of our country special financial regulatory framework.At the same time,on the basis of using the experience of major national regulation,which accords with the situation of our country special regulatory opinions are put forward. |
