Research On The Optimization Of Internet Financial Regulatory Policy

The rise of internet finance in China is the result of user demand,technological development and institutional innovation,and has injected new vitality into China's financial industry.The combination of the Internet and finance has created a miracle of new business models,opened up the long-tail market,promoted the development of small and micro enterprises,and expanded employment.It has played an active role in phasing out inclusive finance by making existing financial institutions difficult to substitute.Popular entrepreneurship and innovation provide a good foundation and are the highlights and growth points of China's economic development.However,Internet finance involves the Internet on the one hand and the financial industry on the other.It has the common risks of the two.The risks are more complex,the proliferation is faster,and it is more difficult to control.Therefore,it is necessary to supervise Internet finance.However,at present,China's Internet financial supervision system is still not perfect,laws and regulations are not perfect,and there are shortcomings in the supervision methods,which has led to many places where China's Internet financial supervision is not in place.This article analyzes the status quo of the development of Internet finance,the types and characteristics of Internet financial risks,studies the status quo and existing problems of China's Internet financial supervision,and draws on the experience of foreign countries in the supervision of Internet finance,from the regulatory model,regulatory system,and supervision methods.The three levels have targeted China's Internet financial supervision measures and recommendations.