| Following the development of Internet technologies, The Internet Finance was created with the combination between traditional finance and the IT which as the representative of internet, especially the development of mobile payments, social networking and Big Data. The development of the internet of Finance which represented of the Third-party payment, P2P,the Crowdfunding, Internet Currency Funds and Network Bank has had a significant impact about traditional finance, monetary policy, finance supervision and consumer protection. However, Internet Finance facing special risks which including technical risk, business risk and legal risk due to have large differences exist with traditional Internet finance. Technical risk was leaded to the system use hardware and software in the Internet Finance services institutions which drawn from abroad. Meanwhile, because the key and encryption technology is imperfect, the subject of deal has suffered finance losses which because of the imperfect of the key and encryption technology,these will lead the systemic security risks. The business risk work up with Because the barbarism of China’s Internet Finance access conditions, the Internet Finance has been wandering in the blank areas of finance law and regulatory gray area. The institutions of Finance was difficult to find more reliable loan personal credit score because the imperfect of personal credit rating system of our country. If the corporations want to obtain the personal credit, it not only to provide all services like foreign loan companies, but also to get customers credit rating through online, offline and other means.Those activities is not conducive to the healthy development of the Internet Finance institutions. Legal risk lead to China’s Internet Finance is still in its infancy, the current legal system mainly to regulate online services of finance institutions, but blank in the new model of Internet Finance barriers to entry of new carriers, borrowing funds monitoring, risk assessment mechanism.Therefore, we not only make Internet services abundant with China’s economic and finance, especially for SME financing and the individual investment channels, but also strengthening the supervision of the various risks faced by the Internet Finance. This paper put forward the corresponding countermeasures which based on the insufficient of Internet finance development, the development expediencies about foreign Internet Finance, and the compare between China and abroad differences about government regulation and finance model. Those countermeasures can guidance the China’s finance development of China’s Internet Finance, and urge the Internet Finance to provide better services.This paper is divided into five parts:Chapter1:Introduction. This chapter clarifies the theory and practice significance of this study, and provides a review and comment on the related literature of industry upgrading, and provides a overview of research thought, research methodology and research framework.Chapters2:introduce Third-party payment, P2P, Crowdfunding, Internet Currency Funds and Network Bank in the development model at China and abroad, and draw conclusion of the Internet’s unique in our development finance course, then come the risks facing China’s Internet finance based on the difference between the domestic and international model comparison.Chapters3:introduce the mainly regulatory measures of United States, European Union and other Western countries have taken different Internet finance model from the regulatory principles, supervising subject, regulatory objectives and regulatory perspectives, analyzes the dilemma of current Internet finance regulation in China.Chapter4:summaries experiences about internet of finance development model and government regulation, according to the lack internet of finance, come up with strategies in supervision measures to regulate the Internet of finance from the development model and strengthen government.Chapter5:we summarize the paper... |
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