Research On China's Internet Financial Supervision And Countermeasures

In recent years,Internet finance,represented by public financing,P2 P net loan and third party payment,has developed rapidly with the support of Internet and mobile technology progress.From the perspective of industrial development,the development of the Internet financial industry has injected vitality into the development of the financial industry,but also has an impact on the traditional financial industry.From the perspective of regulation,the new question posed by the development of Internet finance to the regulation of financial industry brings new challenges to its supervision.As far as the current development trend of the Internet financial industry is,it is a common concern of the government,the relevant regulatory authorities and the academia that how to use regulatory measures to achieve a tight and moderate supervision of the Internet.Under this background,this paper,on the basis of understanding the related theories of Internet finance,combing the current situation and problems of Internet Finance in our country by combining the characteristics of Internet Finance and the type of risk,and drawing on the supervision experience of the European and American developed countries at the same stage of development under the premise of following the new period state's essence of the Internet financial policy.At the stage,we put forward rationalization proposals for the construction of Internet financial regulatory system in China.This paper discusses the issue of Internet financial supervision in China from five parts: the first part introduces the research background and significance of this paper,and reviews and summarizes the relevant literature on Internet finance at home and abroad;the second part discusses the definition of Internet Finance and the related theories of supporting the development of Internet finance;the third part is on public financing and P2 P The loan platform and the three party payment as the main form of the Internet financial supervision of the status of the status analysis,and study the causes of its problems;the fourth part of the introduction of the United States and the United Kingdom as the representative of the Internet financial supervision policy and the enlightenment to our country.The fifth part puts forward the countermeasures and suggestions for China's Internet financial regulation,and looks forward to the future direction of Internet financial regulation.