Research On Local Supervision Optimization Of Internet Finance Platform Jiangxi Province

Finance is the blood of modern economy and an important forerunner and support of modernization.Over the past a decade,the Internet industry has been one of the fastest growing industries in China.The deep integration of Internet technology and the financial industry has given birth to Internet finance,which has developed and grown in a short time.Especially the online lending platform,namely "P2P" industry has attracted the attention and favor of the market and investors.In the middle of development,a large number of problems of online lending platforms appeared,which seriously damaged the property rights and interests of investors,and also had a huge impact on the stability of the financial market and social stability.In 2016,the state officially intervened in the regulation of Internet finance and carried out special supervision policies.Under the unified deployment of the state,Jiangxi Province also carried out special supervision of the province’s Internet finance.Since Iiangxi province is still in an underdeveloped area of economy and finance,in the early stage of the development of Internet finance,it is mainly composed of online small loan companies,and there is still a certain gap between the scale and number of online lending platforms and other parts of the country.Combing through the whole Internet finance special governance action,we can find that the rectification action has two distinct stages.In the early stage,the main goal is to put on record,guide online lending platforms to standardize business rules,and "recruit" institutions through putting on record.On the basis of the special rectification action of Internet finance in Jiangxi Province,the thesis systematically analyzes the difficulties and causes of Internet finance supervision in Jiangxi Province.Analyzing the reform process of central and local financial supervision system in China since the reform and opening up and finds that the central financial supervision authority and decentralization in China are in dynamic change.There are some problems in Internet finance regulation in Jiangxi province,such as insufficient preliminary prediction,solidified central supervision function and lack of laws and regulations.Finally,countermeasures and suggestions are put forward for optimizing local financial supervision of Internet finance in Jiangxi Province,and optimization of local financial supervision is carried out from the aspects of top-level system design,provincial implementation measures,fintech and knowledge publicity.It is expected that Jiangxi Province can build a perfect double-peak financial supervision system with clear division of labor,clear boundary and coordination,so as to realize the goal of preventing and resolving various financial risks more accurately and effectively,and firmly guarding against systemic and regional financial risks.