Research On Legal Issues Of Internet Bill Financing

In this paper,the author discusses the legal nature?access system and investor protection of Internet bills financing.Analysis of the legal issues in the practice of financial instruments,to solve the problem of the advance of the argument.And put forward the Countermeasures for the risk of the first kind of legal problem,that is,the risk without access threshold.In the third part,the author analyzes the problems of investor protection in the breach of the financing side or the violation of the rights and interests of the investors.In the fourth part,the author puts forward some suggestions on legal supervision of Internet bills financing.The first part is the analysis of the legal issues in the practice of Internet bill financing.First of all,the risk of domestic bills without financial access threshold for demonstration,and put forward their views.Followed by the risk of business development,such as the bill itself was forged,misappropriated and unable to accept the risk.Finally,the paper analyzes the impact of the current legal environment on the lack of financial supervision of bills,and defines the scope and form of the risk.according to different market participants,making reasonable and hierarchical access threshold and compulsory withdrawal system.Second part is to build the Internet Bills Finance access system.First of all,through the legislative level,the actual needs,technical conditions and other aspects of the establishment of the platform providers and access conditions to establish standards.Secondly,the objective conditions should be met before financing.Finally,the investors need to have the quality and access requirements,and further build China's Internet banking system of qualified investors.From the consideration of regulatory approach should be based on the existing legal system of monitoring the market of financial products,and with the enterprise's industry associations and other social organizations to complete the industry spontaneous supervision,and establish the risk control mechanism of enterprise internal sound.The third part puts forward the obstacles and solutions to the relief of the rights and interests of investors.Under the financial environment of the Internet,individual investors can not participate effectively is the main obstacle to the protection and relief of rights.This article will provide practical and feasible measures to protect the rights and interests of individual investors in the process of right relief.The fourth part is mainly on the supervision and management of the bill financing platform.The so-called no regulation is not financial,only limited supervision in order to ensure the vitality of the Internet banking,it is necessary to study the identification of irregularities and violations of the distribution of responsibility.The focus of regulation is to establish a mandatory disclosure mechanism in the transaction.In addition,also proposed to introduce the external credit guarantee mechanism,improve the ability of risk control platform,to protect the interests of investors from the source.