Research On The Current Supervision Situation And Problems Of Internet Financial Platform In China

Internet financial platform is a emerging field of combination of the traditional financial industry and the Internet,it provides a convenient,fast and low-cost financial services to the vast number of customers with its own inherent service.As a powerful new financial form,Internet banking platform has brought a new force to the development of financial industry for our country and even the world.But in the process of the development of the Internet financial platform,a lot of cases that poor supervision led the loss of funds of investor are exposed.For example,the recent illegal fund-raising of Ezubao event fully reflects the lack of regulatory and undefined legal position of the Internet banking platform in the current stage in China.Therefore,how to quickly and effectively establish and improve the regulatory system,to strengthen the supervision and control of the order norms of Internet banking platform,is now an urgent problem to be solved.This paper first introduced the Ezubao events and reproached the inability in supervision of government,then it describes the theoretical analysis of the Internet financial platform and its supervision,including the simple introduction of Internet financial platform,the similarities and differences between Internet financial platform and traditional finance,the necessity of Internet financial platform supervision.It also describes the current stage of supervision and existing problems and analyzes its problems from three parts of Internet financial platform,third party payment and mobile payment,P2 P lending platform and crowdfunding platform.Then,this paper analyzes the successful experience of the western developed countries in dealing with the supervision of financial platform,and focus on analyzes the value of these mature international experience for the future of China's Internet financial platform.Finally,based on clearing the supervision principles of Internet banking platform,putting forward a series of appropriate and effective regulatory recommendations from the regulatory legal environment,the Internet financial platform regulatory system,market access and exit mechanisms and prevention and control of information risk,to promote the steady development of Internet financial platform in China.