Internet Financial Product Supervision Legal Issues Research,in The Perspective Of Yu E Bao

Internet financing is a combination of Internet and financial innovation,is an important part of China's financial system,plays a special role in the social and economic life.Internet financial products is a new financial products,with high income,low threshold,strong liquidity,simple operation process,the advantages of strong financing and so on.The rapid rise of the Yu e bao,but aiso sets off a wave of internet financial management,changing the preferences of many ordinary people's financial management.As many Internet users to join,China's Internet financial products,the rapid growth of the scale of transactions in 2013,the peak growth rate reached 223%.However,the Internet financial products to the market and investors brings dividends at the same time,but also gradually highlights its potential regulatory difficulties.Internet financial products is a new type of Internet financial business,there are regulatory way lag,regulatory mechanism is not perfect and so on.In this regard,we should improve the legal supervision system to be resolved.China has not yet fully established for the Internet financial management products,the regulatory system,the original financial supervision as the main features of the financial regulatory system is not enough to support the healthy and orderly development of Internet financial products.Based on this,this paper focuses on the development of Internet financial products and the regulatory problems facing them,and puts forward some countermeasures and suggestions on the perfection of the legal supervision system of Internet financial products.Based on this,this paper focuses on the development of Internet financial products and the regulatory problems facing them,and puts forward some countermeasures and suggestions on the perfection of the legal supervision system of Internet financial products.In addition to the introduction and conclusion,this paper is divided into four parts.The first part briefly expounds the connotation of the Internet financial products and the manifestations of the Internet financial products in the financial market,taking the Yu e bao as an example to introduce its operation mode,and analyze the participation of the Internet financial products and its legal relationship.The second part,combining with the practice of Internet financial products,systematically combs the regulatory framework of Internet financial products and points out the legal problems of supervision.The third part,briefly introduces the supervision status of foreign Internet financial products,studies the functional regulation mode of the United States and the measures in the protection of consumers,analyzes the model of bimodal supervision in the UK,the coordination and operation of the institutions,lessons Learned from China.The fourth part,of how to improve the Internet financial products legal supervision system problems,in accordance with the financial products to produce the logical order of withdrawal,propose to amend the existing law,establish the China Securities Regulatory Commission to dominate the functional supervision,to ensure that the Commission to fulfill the access,process and exit the various stages of the regulatory responsibilities,focus on protecting the legitimate rights and interests of financial consumers.