Research On Legal Regulation Of Chinese Internet Consumer Finance

In recent years,the vigorous expansion of Internet consumer finance is closely related to government policy support,economy,Internet technology and public consumption level progress.As a new industry combining Internet and traditional consumer finance,which possesses Internet infrastructure construction,products and services,which greatly meets the needs of consumers.Meanwhile,it promotes the upgrading of consumption,cultivates and forms new supply and new power,and forms the bank mode,consumer finance company mode,e-commerce platform mode and Internet consumer finance platform mode.However,the new industry not only brings consumers convenience but also numerous legal problems.Therefore,it is of great significance to study its legal regulation.Due to the need to protect the legitimate rights and interests of consumers,the reasonable interests of operators and the order of market in Internet consumer finance,it is imperative to regulate Chinese Internet consumer finance.After combing the relevant legislative status with cases,it is found that the problems of the legal regulation of Chinese Internet consumer finance lie in the lack of systematic legal regulation,imperfect government supervision mechanism and imperfect credit system in Internet consumer finance.In addition,it is found that foreign countries own ripe experience in regulating the legal system,the subject and object of Internet consumer finance,and the credit system of Internet consumer finance.We are supposed to learn from the advanced practices of other countries and improve the legal regulation of Internet consumer finance according to Chinese national conditions.Firstly,in order to perfect the legal system of Internet consumer finance,it is important to formulate a superior law to adapt to development of Internet consumer finance and improve its special normative documents.Besides,in terms of consummating the government supervision system of Internet consumer finance,it is suggested to clarify supervision subject,determine supervision object and improve supervision system.The last but not the least,in the construction of Internet consumer finance credit investigation management system,we can build a diversified Internet consumer financial credit management system,develop the mutual elimination credit investigation supervision system and perfect the credit information sharing mechanism.