Research On Government Supervision Of Internet Finance In China

With the deepening of reform and opening-up process and the deepening of economic reform, China's financial markets and capital markets has been a good opportunity for development. Development of economic globalization to the world's financial reform and development provided an opportunity. Won the rapid development of Internet technology, it has gone deep into our respective economic sectors, and economic fields. Internet technology not only improved the basic environment of financial business development, but also derived a lot of new financial services based on the traditional way of financial services, a direct result of the financial environment and resource allocation and resource use patterns change financial sector. In this context, Internet banking has become the future trend of financial reform, the information network technology and traditional financial services combined provide customers with low-cost, highly efficient financial services. The whole society towards digitization and many companies have accumulated a huge amount of data used to engage in financial activities and risk management tools to provide a solid foundation for the development of Internet banking. Market-oriented reform of state-owned enterprises and economic resources from state enterprises to the private sector for the transfer of financial development of Internet has played a positive role in promoting.Although China's Internet banking to catch a new trend of the times, we made a series of achievements, but in the process of development also retains a lot of problems, compared with developed countries there are still many gaps, especially for Internet banking government regulation of the market. Papers to government regulation of the Internet financial problems as the main object of study, first elaborated the research on Internet banking at home and abroad and introduces the theory of government regulation of many aspects of the Internet finance. In its overview of China's Internet development finance from a number of achievements in government regulation, but also made a lot of lack of government regulation of our financial Internet presence from the current regulatory model, the regulatory system, regulatory principles, credit risk, etc., to foreign Internet finance in the third-party payment, as well as public financing during the P2P lending regulatory experience as a reference, combined with national conditions of market economy and liberalization of capital from the financial system to improve the Internet, government regulation of the legal hierarchy, improve the regulatory system and the regulatory power linkage parties put forward a comprehensive response, not only help to enrich and improve the theoretical research about the financial aspects of the Internet in China, to promote government regulation of the financial aspects of the Internet also has great practical reference value.