Research On China's Internet Financial Development And Its Supervision

Since the birth of the Internet to the human study and life has brought far-reaching impact,this disruptive changes in business,agriculture,especially the financial industry and other traditional industries are reflected.In the "Internet +"wave,the Internet financial whether it is in the currency or currency payment areas are rapid development.Internet compatibility from the beginning of its birth with the Internet open and inclusive features,make up for the traditional financial services in the scope and time and space deficiencies.Not only to make people deal with financial business more convenient,but also enable customers to feel the new financial experience.However,we are pleased to see its rapid development at the same time,should also be aware of the risk has emerged.The relevant laws are imperfect,the business is not standardized,supporting supervision is not in place and other issues have shown that China's Internet banking in general a high-risk state.In order to ensure that it can follow the development of market norms,we need to improve or innovate the existing financial regulatory system.The full text of the thesis consists of five chapters,which are based on the origin,development and development of internet finance,and on the overall context of how to improve its regulatory mechanism.The first chapter mainly describes the background,purpose and significance of the selected topic,and summarizes and evaluates the research literature at home and abroad,and finally analyzes the innovation of the article and the need to continue to improve.The second chapter first defines its concept,analyzes its characteristics and supporting theory,and then analyzes its development opportunities.The third chapter mainly introduces several main development modes and tries to analyze the influence of internet finance on traditional industries including traditional financial industry and small and medium-sized enterprises.It mainly discusses the current situation of small and medium-sized enterprises in our country and analyzes its influence on The significance of solving this situation.Finally,it focuses on the various problems encountered in its development.Based on the above analysis of Internet financial risks,the fourth chapter builds a regulatory system that includes goals,means and framework.The framework includes government level,social level,industry level,platform level and consumer level.In the last part,by summing up the whole thesis,some policy recommendations are put forward in view of the risk regulation of internet finance,with a view to guiding the direction of the development of Internet finance industry and clarifying its future research focus to a certain extent.