Research On Internet Financing Supervision

Internet financial regulation is a hot issue in today’s financial regulation in our country,The Internet financing as the most active part of the Internet financial which represented by P2 P and Crowed Funding, Its regulatory problems has been widely discussed by scholars both at home and abroad.In 2014, the Government Work Report put forward:”Promote the healthy development of the Internet financial, perfect the financial coordination regulation mechanism”.Fully shows us China’s financial regulatory attention on the Internet financial.Internet financial has important significance for promoting “interest rate marketization,the reform of financial system and financial regulatory mechanism” in our country, More than that, The emergence of Internet finance has broke the traditional financial pattern, cracked the micro, small and medium enterprises financing problems, bring new vitality to the development of the real economy. It has Also changed the existing financial industry competition pattern, brought the huge challenge to regulatory authorities.Relative to the development and prosperity of the Internet finance, The renewal speed of inance regulation measures is slightly lagging behind. Today, How to establish an effective supervision mechanism and regulatory measures to regulate Internet finance industry is the top priority.Based on this understanding, this article mainly revolves around the Internet finance regulation, trying to build in accordance with the reality of our country Internet financing supervision mechanism and supervision methods.This paper is divided into six parts: The first part is the introduction. Mainly introduces the paper topic’s background and significance, literature review, the structure and research methods; In the second part, Mainly analyzes the development of the Internet financing present situation, the meaning and characteristics, the core content of extracted Internet financing,intend to make readers have a clear understanding of The internet financing. The third part mainly analyzes the economic value of Internet finance, hidden risks and the defects existing of regulatory mechanism, to stress that the Internet finance supervision has its necessity; The fourth part discusses the chooseing road of regulatory mechanism in our country, seeking the basis in theory for the follow-up supervision subject, creation of supervision method; The Fifth, sixth part respectively studied from Internet finance regulation subject and methods, through the comparative research, advances someSuggestions on the internet fnancing regulation.Mainly includes: gradually set up a unified regulatory body, perfect legislation and set up the access mechanism, pay attention to protect the lawful rights and interests of financial consumers, etc.