Legal Regulation Of Internet Financial Innovation

The year of 2013 is the first year of China’s Internet financial. During the year, the Internet financial across great river north and south, the social from all walks of life are discussed this topic. Internet finance refers to financial institutions in the Internet with the help of the Internet platform to carry out financial business, it is the rise of China’s financial industry event in recent years, the financial, economic and social development is good, is necessary and timely financial market development of catalyst. At present, the development trend of the Internet financial present progresses day by day, all kinds of financial products emerge in endlessly, the Internet poses a great shock to traditional commercial Banks and other financial institutions, financial nibbled on the traditional financial in response to the Internet, the traditional financial institutions not to be outdone, to carry out financial business Internet attack, launched online banking platform financing services online electricity trading platform, virtual property insurance, financial products such as the Internet. The 12th session of the National People’s Congress second conference, prime minister Li Keqiang, clearly put forward "to promote the healthy development of the Internet financial, perfecting financial supervision coordination mechanism". Was first written to the word "Internet financial" government work report, which means that the Internet financial officially became part of the financial system in China, and will become a huge potential in the financial development of our country emerging powers, and its development prospects are very broad.As the Internet banking to a more profound and more in the direction of high speed development, it also gradually exposed the user Internet financial information has been leaked, the platform system security vulnerabilities, finance fraud, and many other problems, become a "spoiler" of China’s financial industry, China’s financial system to the new map being reconstructed, requirements on the Internet to strengthen finance supervision and risk prevention calls will follow. Our country has not establish suitable for Internet financial laws and regulations and related policies and systems have no rules, how about the Internet financial regulation, guarantee the healthy sustainable development of the Internet financial is China’s financial regulatory authorities must face and needs to be solved.The article is the legal regulation on Internet financial as the research object, the research content is divided into six parts, the main content is:the first part is problem is put forward, in order to balance the treasure as an example, the analysis of balance of advantages and legal issues, points out that the balance of Po is one of the forms of the Internet financial, for the balance of supervision is to actually reflect the Internet financial regulation. Cause and for the second part of the Internet financial challenges brought about by the financial supervision and regulation, from the aspects of Internet financial concept, characteristics and significance of the Internet financial is presented, and analyzed the causes and development of the Internet financial mode and the existing risks, Internet financial mainly third-party payment, network credit, the raise, Internet products, virtual currency, such as pattern, have a general knowledge of the Internet financial; The third part combed the status quo and problems of Internet financial regulation in China, although our country has begun to pay attention to strengthen the supervision of the Internet financial, but it still exists the Internet financial regulation imperfect laws and regulations, regulatory agencies is not clear, the Internet regulatory financial crime forensics difficulties, imperfect social credit system; The fourth part through the successful experience of the United States and the European Union Internet financial regulation analysis, to study the regulation for reference and revelation of Internet financial regulation in our country, for the part of bedding; The fifth part is the foothold of this paper, from the perfect laws and regulations system, clear regulation of collaboration, giving play to the role of self-discipline, improve the social credit system from four aspects to implement Internet financial regulation.