Research On The Regulation Of Chinese Internet Finance

In recent years,with the rapid development of the Internet and mobile communication technology,the third party payment,P2 P network lending,public financing as the representative of the Internet finance type has been developed rapidly in china.The Internet Finance impact the traditional financial business at an unprecedented speed,and it does indeed pose new challenges to the current regulatory system.As the Internet financial innovation speed is very fast,and has gradually presented the characteristics of mixed development,the existing financial regulatory measures are obviously scarce.After a long time of accumulation,customer will focused to a handful of Internet financial institutions when the Internet finance developed to a certain extent,once the big agencies have problem,it will have an important impact on the stability of the financial system.Loose supervision lead to financial risks,strict supervision will stifle financial innovation,research on appropriate regulatory policy is necessary.This article is in this context,through the analysis of the Internet finance development of our country,the Internet finance models,risk classification and the theoretical structure,compared with the present situation of the International Internet financial development.By drawing lessons from the United States,Britain and the other developed economies’ Internet financial regulatory experience,analyze the Internet financial supervision in China,and propose the policy suggestions.This paper is divided into five parts: The first part introduces the background and significance of the topic,literature review,research methods and research ideas,as well as the innovations and deficiencies of this paper.The second part discusses the financial function theory,the financial deepening theory,the inclusive financial theory and the long tail theory of the Internet finance.The third part defines the meaning of Internet finance,introduces the course of China’s Internet financial development and several popular Internet financial model,analyzes the characteristics of our country’s Internet financial risks,and use P2 P lending industry for example,through the empirical analysis to study the change of the P2 P lending market risk after the issue of regulatory policies.The fourth part introduces the status quo of the International Internet financial development and several representative countries’ Internet financial regulatory policy,Summarizes the enlightenment to our country.The fifth part puts forward the principles of Internet financial supervision,and then proposes policy recommendations for different internet financial formats;look forward to the future development of Internet financial regulation.In the conclusion part,give the prediction and evaluation of our country’s Internet finance,stressed the importance of strengthening and improving the corresponding regulatory rules and risk control measures again.