Thinking About The Effective Supervision Of China's Internet Finance Industry

Internet finance is new financial business model combined of the traditional financial institutions and financial intermediation based on Internet technology.China's main business model of Internet finance is the third party payment,Peer-to-peer lending and the Crowdfunding.For the third party payment business,made a preliminary development began in 2009,explosive development of the industry in 2011,by 2016,the average annual growth rate of the whole third-party payment market in more than 50%.P2 P network platform loan business present embryonic stage in 2011,2014 and 2015 is the most rapid stage of development,the industry as a whole network of borrowing is called"savage growth period.In 2016,with guidelines and related regulations,net credit platform of growth is slowing,but accompanied by is,the whole industry to improve the quality of synchronization.crowdfunding platform companies around 427,is expected to still had greater growth in 2017,is expected to reach about 550.And according to 2016 data show that,compared with 2015 in 2016,the raise of raising growth rate reached 100%.From the data can be displayed on Internet financel in all kinds of business in China in recent years has been at very fast speed in the occupation of the market and serve more investors and consumers.Behind the rapid expansion of the Internet finance,The industry hides a huge risk.on the one hand,our business model mainly from study and draw lessons from abroad,it may be ignored in the concrete operation process of the consideration of the specific economic environment in China,the operation risk,etc.on the other hand,is our country's legislative and regulatory relatively lags behind for the financial industry,the Internet development quick update,lagging regulation will bring a series of problems.In the face of many risks,it may directly harmed the interests of every public,it also be impact of the larger spread to the whole financial system security and stability.Issued guidance is of great significance to the development of the Internet financial compliance played a watershed role.Regulation of developed largely make up for our country's regulatory gaps played a very important role,but the existing regulation is still not perfect in our country,so we needs further improve our regulation.Comprehensive study based on the existing situation,the development of the industry of our country's existing Internet financial problems,I summarized the main risks facing the current and the comprehensive combed the existing regulation and rules and regulations.at the same time,combining the specific situation of the economic development in our country,I put forward effective countermeasures and Suggestions on China's Internet financial regulation.