Research On The Legal Regulation Of Internet Financial Supervision

Internet finance is a new type of financial business model in which traditional financial institutions and Internet companies are jointly supported by Internet technology and information and communication technology to realize capital financing,payment,investment and information intermediary services.Internet finance is the product of the combination of financial development and information technology development.Internet finance is an important part of China's financial system.It plays a huge role in social and economic development and greatly facilitates people's life.Among them,Internet payment,Online lending and Equity financing are by far the most common modes of forms,the most closely related with our life.However,due to the imperfect legal system of Internet financial supervision,the relevant laws and regulations are not perfect,to a certain extent,restricted its further development of space.Therefore,this paper hopes to make some suggestions on the legal regulation of Internet financial supervision through certain research,so as to reduce the obstacle to the development of Internet finance and promote the healthy and rapid development of Internet finance.The paper focuses on Internet payment,Online lending and Equity financing.Itfirst introduces the characteristics of internet finance,models,and the purpose is to clarify the "blind spot" and the misunderstanding of internet finance through the summary analysis.And then study the status of China's Internet financial supervision,through the analysis of the main regulatory bodies and regulatory legal system,we can see there're some problems of unclear authority and long supervision and other issues.At present,although some of China's provisions for the internet financial regulatory system scattered in a variety of laws and regulations,but due to legislative and regulatory lagresulting in the lack of a set of specialized legal system to regulate the regulatory problems,resulting in China's internet financial potential risk of accumulation,resulting in a variety of problems.In this paper,through the comparison of the United States,Britain,Germany,the European Union and other countries and international organizations' law practice,the successful experience of foreign countries are summed up,drawing on its perfect legal system,establishing a regulatory model,strengthening Internet "firewall" are used to improve China 's internet financial legal supervision system.The last part of this paper puts forward some suggestions as the research conclusion,one is clearing the main body and the rules of government supervision to ensure the supervision,the second is to establish the internet financial legal framework system to protect its development,the third is to strengthen the credit system of legal construction to improve the efficiency of Internet financial transactions and management of internet financial markets,the fourth is to build personal information protection legal system to protect the legitimate rights of internet financial participants,the fifth is to play a judicial role to ensure the timely supervision of internet financial market problems,the sixth is innovating supervision mode like mobilizing the masses to combat illegal activities involving internet finance,the seventh is carrying out the trade autonomy to promote the healthy development of internet finance.Finally,hope that this article can provide some reference for the relevant state departments in the development of laws and regulations and policies.