Research On China's Internet Financial Legislation Model

China's Internet finance develops rapidly and has a huge volume,which has a significant impact on financial stability and security.The integration of science and technology and finance improves the efficiency and fairness of finance,but financial risks have not been eliminated but become more covert.In our country under the background of the financial environment and unique,Internet financial mode has iterated and innovation expectations,has not yet formed a fixed pattern,mature technology and financial integration is still in its initial,mixed with all sorts of alienation and risk,blurring the boundaries between innovation and risk,financial regulatory legislation in interventional point,hierarchical way and specific regulatory measures and so on under a lot of difficulty,and traditional financial statutes and difficult to cope with rapid change of the Internet financial,financial legal hysteresis quality more highlights.But Internet financial development time is short,practice is short and weak theory research,adopt what kind of legislative model are the high status of the top-down unified legislation or bottom-up,department regulations,self-discipline rules flexible legislation mode in order to realize effective regulation on Internet financial remains to be studied.Internet finance originates from foreign countries and it has developed mature and has legislative practice.This paper argues that Internet financial legislation pattern choice,on the one hand,comparative study to draw lessons from foreign legislative practice,at the same time,it should be comprehensive consideration of specific national financial environment and financial development goals,the need for more practical considerations,rather than the pure theory of law and logic reasoning to solve.In addition,Internet financial legislation in our country,not only consider the Internet financial regulation on one hand,still need to plan as a whole to consider the traditional financial reform and the development of the Internet financial and traditional financial balance.For our country,it is more complicated which legislative model is adopted to construct the Internet financial legal system.Because Internet financial still have evolved strongly expected,especially our country Internet financial is faced with the double impact of distortion and technology system,its development prospects have more bigger.Internet financial development inour country have different basic condition,with the United States,Britain,Japan,South Korea and other countries the Internet finance have different development path,the legislation needed to regulatory and institutional change path should be different,and thus affect the choice of the legislative model.This article through to Europe,America,Japan and South Korea,especially the American Internet financial development stage,background,business model and legislative model,combined with the analysis of the development of the Internet financial practices,positioning and traditional financial reform goal for our Internet financial what legislation pattern to provide Suggestions for reference.