Research On The Risk Regulation Of China Internet Finance

With the continuous development of internet technology and innovative development of the financial industry, the internet finance that combines internet and financial industry comes into being and is gradually becoming an important part of the financial industry. Compared with traditional finance, internet technology makes the disposal of financial information and business more advanced and can provide customers more flexible and convenient financial experience. However, the innovation of the Internet finance in China is developing fast, and corresponding regulatory measures are not in place, traditional financial and regulatory system fails to adapt the development of internet finance. Hence, regulatory system innovation shall be encouraged to promote the sound development of the internet finance.This thesis analyzed the irregularities and risks in the Internet finance in China, discussed how to regulate the development of the internet finance and how to enhance regulation on the internet finance. Based on this paper put forward theories and deliberations on the compilation of related policies that promote the development standard and risk regulation of the internet finance so that the risks in the internet finance can be well safeguarded and the sound development of the Internet finance can be ensured.This thesis is divided into six chapters: the first is an introduction which includes the research background and purpose, research theories, and method; the second is an introduction of the internet finance including an overview and model classification of the internet finance, status quo of the internet finance in China and its connections with entity finance; the third analyses major risks in internet finance, including information risk, credit risk, ethical risk, operational risk, legal risk, and liquidity risk etc, and analyses from the system perspective how the risks crop up; the fourth and fifth introduce some cases and experiences in developed countries on how to regulate internet finance and taking into consideration the unique features of internet finance in China, puts forward corresponding countermeasures and principles. The last chapter is the conclusion.