Internet Banking Credit Risk Legal Regulations

In the context of the rapid development of Internet banking, Internet banking credit business but also because it has a broad, innovative features, has been pro-gaze majority. It is not only as a new way of financing exist, but its characteristic is that it can quickly get financial support, the expansion of the scale of funding libraries in order to better address the problem of SME financing. Internet as a new means of financial credit of private lending, has played an important role in a crucial stage of financial reform. Significance of Internet financial innovation is like a model to adapt quickly to new situations. So reducing transaction costs, effectively combines technical and financial management of the Internet, compared to the traditional financial model has a greater advantage.Internet banking Internet banking in lending as a model, appeared in China since the beginning, has been widely used in more and more people, especially those small and medium enterprises and entrepreneurs have been shut out of formal financial institutions, large groups. But behind the booming there are also a lot of confusion on the potential risks and regulation, the healthy development of the country's financial system is determined by the finance, improve financial system depends more on the means of adjusting the legal regulation in the country for a long time whether it is formal or informal financial markets all have adopted strict control measures, this high-intensity management tools violates the inherent logic of Internet financial markets.This paper altogether is divided into four parts except conclusion, arranged as following:The first section provides an overview of the Internet banking credit, the main concept, value analysis, feature attribute aspectsThe second part of Internet banking credit risk and regulatory confusion analyze risksThe third part is the outside for Internet banking credit risk regulatory and InspirationThe fourth part of the domestic and foreign financial credit of the Internet lessons learned, to our internet banking credit risk of the perfect legal regulation.