The Law Issues Study On Regulatory Of Internet Finance In China

The means of Internet financial is built on the basis of large data, cloud computing, relying on Internet technology platform, has the spirit of the Internet, to achieve the financing of new financial model. While Internet financial regulation refers to the government as the main regulatory body, industry self-discipline organization, Internet financial enterprises auxiliary supervision main body, according to certain rules,contraposing the problems of development in the Internet financial regulatory to supervise and manage.With the emergence of the Yu Ebao as a "fuse", Internet financial presents the development of the "blowout" in our country, appeared a variety of Internet financial model. Compared with the traditional financial, it has low barriers to entry, investment profit is relatively higher advantages, welcomed by the masses of the people, make ordinary people become the subject of investment, financing, and promote financial enlightenment education of popularization. However, with the further development of the Internet financial, there have been some problems, need to regulate. However, the current financial regulatory system in china is mainly the traditional financial supervision system, its already can not adapt to the new financial model, the financial Internet regulation. Especially,the traditional financial systems of "supervised respectively”can not produce effective regulation on Internet financial“ mixed operation ". Therefore, studying the Internet financial regulation in our country, analyze its concrete legal problems.At the same time, learn from the advanced experience of foreign Internet financial regulation,proposing regulatory path can regulate the healthy development of the Internet financial. Yu Ebao as one of the typical model of Internet finance in china, its essence is a kind of Internet money market funds. On the one hand, the existence of the liquidity risk, technology risk such and so on. On the other hand, regulatory enforcement main body not harmonious of Yu Ebao, lack of self-discipline mechanism. But China's current supervision system can't effective regulation of Yu Ebao. Therefore, increasing regulatory enforcement efforts in building the microscopic main body coordination rules, establish Yu Ebao industry self-discipline mechanism, using big data cloud monitoring the operation of Yu Ebao, it is necessary to complete Yu Ebao regulation system.This article content besides the introduction and conclusion, main body includes four parts:The first part, analyzing the Internet basic theory of financial regulation. First of all, the Internet financial defined, including the concept of the Internet financial, patterns, and the Internet financial compared with the traditional financial. Secondly, on the basis of the understanding of the Internet financial, analyzes the theoretical basis of the connotation of Internet financial regulation and supervision.The second part, this paper discusses the status and legal problems of the Internet financial regulation in our country's. Including the current laws and regulations practices of Internet financial regulation and regulatory legal problems existing in the current situation. This part mainly discusses the legal problems existing in china's Internet financial regulation, mainly the regulation system is imperfect, lack of building micro risk prevention rules, lack of Internet financial enterprise supervision and industry self-discipline mechanism.The third part, the Internet financial regulation mirror of foreign.This section include the United States, the European Union, Japan Internet financial regulation model and foreign Internet financial supervision enlightenment.Obtain the enlightenment of Internet financial regulation,including optimizing the government regulation and self-discipline of the division and labor cooperation, and optimize the portfolio of financial regulation system to keep pace with the times,and standardize the market exit mechanism,and reference to traditional financial supervision system.The fourth part, the paper analyzes the complete path of our country's Internet financial regulation. Mainly includes the principles of supervision and regulation of the specific path. First, completing the regulation principles of our country should stick to the principle of equal emphasis on innovation and norms,consistency,macro guiincluding.dance combined with micro-regulation.Second, completing specific path of Internet financial regulation including perfecting the supervision system, strengthen building of the micro risk prevention rules, establish enterprise supervision and industry self-discipline mechanism.