Legal Risks And Precautions In The Operation Of Internet Financial Platform

The Internet financial platform as an important part of China's financial market,is one of the main body of financial innovation,its low cost,low threshold and convenience to attract a large number of customer groups,and the development of big data,mobile communications,cloud computing,networking and other technology to promote the innovation of business model of Internet financial market.Along with the Internet financial platform for the expansion development,is the legal risks of Internet financial platform frequent,China's financial platform for the Internet operation of the laws and regulations are not perfect,which also makes the Internet financial platform barbaric growth in the early stage of development.2015-2016 years,a large number of P2 P net loan platform due to inability to honor,fraud,illegal fund-raising and other issues or foot or closed,resulting in a large number of consumers can not recover the principal,the interests of the damage.Internet financial platform is the main body of financial innovation and operation of the Internet,which is also the basis for the standardization of the future development of the industry and the protection of the industry.This paper studies the existing legal problems and prevention measures of Internet financial platform,which has two aspects: Theory and practice.Theoretical significance:the legal risk of Internet financial platform,further enrich the theoretical study of China's Internet banking,provides the theoretical basis for perfecting the relevant laws and regulations of Internet banking.Practical significance: through the analysis and reference of the advanced experience of foreign countries,it provides a practical reference for China's Internet financial platform to reduce risk,improve management capacity and standardize market operation.The main content of this paper is divided into the following parts:The first part is the introduction,mainly on the research background,research significance,the research methods used,at the same time,the domestic and foreign research status analysis.The second part is the operation and mode of the Internet financial platform,mainly to define the concept of the Internet financial platform,and the main summary of the current Internet financial platform several major models.Colleagues,the Internet financial platform for the operation of the rights and obligations of the main participants in the relationship between the analysis of clear,including the main positioning,legal behavior,the relationship between the contract and the legal relationship,such as the definition of.The third part is the legal risk and the causes of China's Internet financial platform operators,mainly analyzes the current development of China's Internet banking platform,the legal risk of the current Internet financial platform in operation,and the deep reasons of the formation of legal risk.The fourth part is the development of foreign Internet banking platform experience,mainly to the UK on the platform of the government supervision and industry self-discipline mode and the platform function of regulation and supervision bull mode are analyzed,and expounds its significance in china.The fifth part is the legal risk prevention and suggestion of Internet financial platform,mainly from the internal legal risk prevention to strengthen the Internet financial platform,and puts forward some countermeasures and suggestions to improve the supervision of self-discipline three aspects of Internet financial platform of government supervision system and the development of Internet banking platform industry.The sixth part is the conclusion,which summarizes the research results and prospects the future research direction.