Analysis In China Internet Finance From STS Perspective

Since the rapid development of Internet finance products such as Yu'ebao and Jiedaibao in China,technical loopholes,faultiness of the Internet financial product design,the obscurity of the information security marks of Internet financial companies' main bodies,the ambiguity of regulatory responsibilities and other practical problems emerge in an endless stream.Whether the Internet financial problems can be solved is related to the healthy and stable development of China's financial industry.Under the context of the rapid development of China's Internet financial industry,this paper takes the Internet finance as the main body,using the method of literature research and system analysis to investigate China's Internet finance from the STS perspective,to explore,raise questions and propose solutions,hoping to provide some theoretical support for the robust development of China's Internet finance.Analyzing China's Internet finance through studying the main body of Internet finance companies,the main body of the Internet financial users,and the main body of Internet financial supervisor from the STS perspective,the paper illustrates what kind of knowledge is needed as guidance,what technology is required as foundation,and what institution is needed as guarantee in order to facilitate the safe and healthy development of Internet finance.On top of that,this paper puts forward some solutions to the problems including technical loopholes of software,technology problems of hardware,faultiness of Internet financial product design,the obscurity of information security signs and the backwardness of regulation and supervision modes.Internet finance is playing an increasingly important role in modern society.The robust development of the Internet finance directly determines China's position in the international economy.The main body of companies of Internet finance industry should comply with the institution,produce more advanced Internet financial products based on scientific knowledge and technology.The main body of users in Internet finance is supposed to follow the institutional guide with and acquire knowledge and technology to better use Internet financial products.Finally,the main body of supervisor in Internet finance should protect the Internet finance by establishing a better institution for the healthy development of Internet finance.In order to achieve healthy development of Internet finance,the three main bodies of ChinaInternet finance should utilize scientific knowledge as guidance,advanced technology as support,and an excellent system as a guarantee.