The Research On The Legal Issues Of Network Financial Risk Prevention In China

In recent years,with the rapid development of Internet technology,especially the emergence and rapid development of smart phones after 2010,the combination of the Internet and smart phones has a direct impact on the transfer of users’ focus from the computer end to the mobile end of mobile phones,making people’s life in the "master".Internet technology extends to all walks of life.The strategic plan of "Internet +" is generated with the development of Internet technology.Among them,in the financial field,the concept of "Internet finance" appeared with the combination of "Internet plus finance".As one of the bold innovations of Internet finance,Internet financial management is an emerging financial innovation mode.The emergence of online financial management has broken the monopoly of traditional banking institutions on financial services.With its unique strong advantages,online financial management has attracted a large number of "grassroots" people,ushering in a new era of comprehensive financial management.However,online financial management is a "double-edged sword",which not only benefits the public,but also has certain risks.The legal prevention of online financial management risks in China still lags behind to some extent.This paper starts from the basic theory of network financial risk,introduces the connotation and basic characteristics of network financial risk,and aims to eliminate the "blind spot" and "misunderstanding" in the understanding of network financial risk through theoretical overview and analysis.Then it introduces the other side of "double-edged sword"--the existence of risks,explains the main risks of online financial management,and points out the necessity of preventing risks of online financial management.Next research network in our country finance to prevent the legal status and the main problems,known at present our country existing involves network financial risk prevention of slightly imbalances,relevant laws and regulations also has regulatory forensics is difficult at the same time,the related system construction perfect degree is insufficient,and a series of problems such as lack of normative regulation system,the existence of these problems also need to strengthen the network financial risks are necessary to our country.In this paper by comparing the developed countries such as Britain and America for network finance specific legal practice,this new things actively learn from foreign experience,but should pay attention to in the process,to find the essence of which is good for China’s development experience,those not suitable for China’s national conditions will not be adopted,at the same time,according to the actual situation,and specific analysis.Through the construction of the legal system,the establishment of regulatory model,improve the regulatory technology,improve the credit system construction,play the role of industry self-regulatory organizations and other aspects to constantly improve China’s Internet finance related legal regulatory system construction,so as to be more conducive to the benign development of Internet financial innovation products represented by network financial management.With the help of this paper,the author hopes to provide certain thinking space for the future development of online financial management,and hopes that China’s online financial management industry can develop healthily and positively.