Research On The Current Situation And Countermeasures Of Social Finance In China

With the continuous development of Internet technology,communications technology,cloud computing,big data and other new technologies are being widely used in the Internet industry in various formats.Internet technology and financial industry in risk,product,channel,financing and other aspects of integration and innovation.On the one hand,the financial industry can increase the depth and breadth of the existing Internet service function;on the other hand,the Internet can also help the financial sector to reduce the financial transaction cost,solve the problem of credit risk control,etc.,greatly reducing the information asymmetry.At present,the third party payment,P2P,all the chips,financial data,internet currency as the representative of the emerging Internet financial industry is the rapid development of Internet financial in the future it will help the financial industry to a new level.As a new model of Internet financial development,social finance in recent years,the rapid development of China.Relying on the mobile Internet technology and mobile communication technology,social,social finance shows "high cohesion" and "high coverage" and "sharing" and other features,many Internet companies and traditional financial institutions have entered the field of social financial industry,launched a large number of related financial products and services.By virtue of the "add financial attributes to the social network,to carry out the relevant business or financial services using social networks,to achieve financial inclusion of the innovative ideas,can be said that social finance has become the following P2P,and an outlet under the age of Internet financial".Based on the detailed analysis of existing social financial research results,by comparing with the traditional financial and Internet financial,summed up the superiority of social finance;followed by the analysis of social development motive to finance as well as the status quo in our country,combining with the questionnaire survey results,summed up the problems exposed in current the characteristics of China's financial and social development process;and then from the system,legal,technical and other aspects,a comprehensive analysis of the fundamental causes of these problems;finally,this paper put forward a package of proposals to solve these problems,hoping to provide some theoretical reference for China's financial industry in the future development of social and financial supervision department to make relevant supervision policy.