The Analysis Of Ezubao And Its Enlightenment To The Internet Financial Regulation's Innovation

In recent years,with the rapid development of "Internet +" and information technology,Internet technology has constantly changed the traditional financial mode,and Internet technology and financial industry have been continuously integrated to create new formats.Peer-to-Peer(P2P)platform emerges under this technical background.It uses the Internet to conduct transactions,improving transaction efficiency and reducing transaction costs.Its emergence to a certain extent alleviated the financing difficulties,better realize the optimal allocation of resources,in China's economic and social prosperity and development has played an important role.However,the industry is still in its infancy,lacking theoretical guidance,the relevant regulatory measures are lagging behind.So the risks accumulated,bankruptcies and illegal incidents continue to occur,greatlyendangering social stability.The ezubao fraud case analyzed in this paper is the largest amount of money involved and the most widespread cases since the founding of New China.It has a tremendous impact on the P2 P platform and even the entire Internet financial industry.Therefore,under the background of the rapid development of Internet finance and the vigorous construction of inclusive financial system by the state,this paper selects this representative and typical case to analyze,which has a strong practical pertinence and practical value,and has a certain guiding and reference value for strengthening the innovation of Internet financial supervision.This paper uses three methods,through in-depth analysis of e-rental fraud,to find out its risks,and find out effective measures and suggestions to strengthen the innovation of Internet financial supervision.This paper consists of four parts.The first part is the introduction.Under the research background,significance and literature review at home and abroad,we can understand the field's research status and deficiencies.The second part first introduces the relevant theories involved in the study,and then analyzes the current situation of China's Internet finance system and supervision.The third part is the introduction and in-depth analysis of e rented treasure case,and summarizes the existing loopholes and defects.The fourth part,combined with case studies,puts forward some effective measures and suggestions for strengthening internet financial regulation innovation.