A Research On The Legal Regulation Of Internet Financial Planning

Stand by the wind gap of internet, China’s financial planning industry has flied. Recent years, especially among the youth, the internet financial planning products and services, such as "YuEBao" and "RenRenDai" have become the most popular way to manage money. It’s low threshold, easy operation, big gains and quick in&out policy make people buy it. But, behind the rapid growth, the risks and the blank on the legal regulation are being ignored. It’s how to build a free, safe and health market that matters to insure the sustainable development of internet financial planning industry.This paper is divided into 5 sections to explain in detail.The introduction part mainly explains the background, theories, methods, innovation and deficiency of the research. As a brief introduction to the research.The first chapter mainly discusses the relationship between the Internet financial planning and traditional financial planning. Based on the difference of two concepts, characteristics and the development history, works out that the Internet financial planning’s real meaning is what financial investors use of Internet technology, or through the Internet website to realize wealth management and value-added. The development of Internet financial planning’s point lies in the "heart and mind", however, several of the contradictions popped up in the process of rapid development which make the legal regulation of financial planning have to speed up the pace to constraint industry’s "barbaric growth"The second chapter enhance the importance and urgency of the legal regulation of internet financial planning through in-depth analysis of two kinds of typical internet financial planning product and service.The third chapter summarizes the possible risks of Internet financial planning market in our country, and from the supervision of legislation, relief three aspects of problems in legal regulation of Internet financial planning of our country.The fourth chapter mainly discusses how to construct the system of China’s Internet financial legal regulation. Making clear to uphold the core tone of freedom and innovation, at the same time, balance security and efficiency as the goal. About legislation, based on the classified regulation, speed up the process of legislative integration. About supervision, upholding the principal of coordination, fair, and clarity, basing on the international experience, strengthen the supervision in the entry, operation and exit. About the remedy of investors, strengthen the protection of information security, property security, and remedy system, at the same time should enhance investors’ education, improve risk prevention awareness and consciousness of legal protection.