Research On The Government Regulation Of Internet Financial Development In Ningbo

In recent years, there has been ever closer integration of Internet and financial industry. Compared with the traditional financial pattern, the “Internet + finance” pattern features better creativity, more efficient performance and better financial inclusiveness, contributing to its increasing popularity. Internet finance has become a hot research field and focus in the economic and financial world. The Report on the Work of the Central People’s Government 2014 initially proposed to “promote healthy development of Internet finance”, which was re-stressed in the 2015 report, and the 2016 report proposed “normative development of Internet finance”, which are supportive of the official status of Internet finance. The development practice in recent years has also demonstrated distinctive advantages of Internet finance in financial innovation, reducing financing cost, improving social credit, increasing property income of residents and so on, which have even had disruptive significance in some fields. The traditional financial sectors, social communities and regulatory authorities should be open to the reforms, innovations and even challenges brought about by Internet finance.Ningbo has made brilliant contribution to the development of modern finance in China and has been a major source of financial innovation and talents, which is unique to this city. Passage of time, the financial history of the development of the wheel has come to the age of the Internet financial, a seat of modern metropolis is profoundly leave Internet financial brand of the times, Ningbo in a new round of the wave of financial reforms to find their own direction, to seek new breakthroughs. In the initial stage of Internet financial, so far, there is a few to a single city development of Internet financial for depth profiling, very little for the reference case city, Ningbo want to identify the development of positioning, only self anatomy, based on the advantages and characteristics, and the surrounding line city dislocation development.Internet financial is a part of financial system, also has the financial risk properties, should be incorporated in the category of financial regulation. This thesis was divided into four chapters. It systematically combed Internet development situations at home and abroad, and the development situation of internet finance in Ningbo, fully diagnosed the problems and risk of internet development, and put forward planning, the key direction of the development and government regulatory suggestions, standing in the government point of view.