Internet Financial Loan Platform Supervise And Risk Control

With the development of financial systematic reform and Internet technology,the booming financial innovation set combining various new-born financial models and Internet.As the pioneer of Internet finance innovation,Internet Financial Loan(IFL)plays a vital role in the small and micro business fund-raising area.Internet Financial Loan Platform(IFLP)grows fast with the market needs and technology development but also brings unavoidable problems,such as fabricated loan information,lack of fund,loan fraud,data security and platform operation,all of which are the major impact on IFLP.Therefore,it's urgent to build IFLP admission standard and supervision system to better promote Financial Systematic Reform and encourage an unleash financial innovation impetus.The significance of financial supervision and proposes the method and routes of the research combined with the relevant literature and viewpoint in both here and aboard.the features and tendency,the role as the intermediator of the financial information and also listed the character and advantage of the industry.on the theory of protection of creditor's rights and financial risk control constructs the theoretical basis for the regulation of IFLP.IFLP's development by the scale,loan amount and the main problems.A lot of new formed risk exists after the combination of the Internet industry and the financial industry.It brings unprecedented challenges to the regulation.the specific and main problems faced by the IFLP in China at present.Only accurately understanding the regulatory issues deeply can get the better solution.The United States,Europe and other countries of the IFL regulatory model to learn more from the foreign experiences and practices.According to the actual conditions,objective conditions and development stage to fully absorb and digest scientific regulatory system,so as to be faster and better supervision.the key point of this article.The key objective is to clear and improve the laws and regulations.First of all,based on the traditional financial industry and traditional financial services,improve the legal system to adapt to the Internet financial innovation and development.Secondly,further clarify the regulatory model,the establishment of Internet banking lending platform for access system,to establish a platform for the record,and then choose from the record system to build up approval system.Conclusion: Only by completing the inward risk management and strengthening the outward supervision system can make IFLP become more transparent and secure.Here is my opinion: IFLP should be encouraged.Take the long-term IFL sustainable development as the basic supervision principle,and combine risk control to create more impetus for diverse fund-raising systems,the multilevel capital market and the development of the financial system.IFLP can step up financial systematic development and stimulate the innovation of traditional finance sector.It is the historical choice for IFLP to offer timely and effective fund-raising service to medium and small size business,reduce cost and optimize market ratio.