The Research On The Innovation Of Universal Financial Legal System In The Internet Age

Internet Inclusive Finance is the integration of Internet and Inclusive Finance.Its essence is to complete the financing and circulation of financial funds based on big data and cloud computing.The Pratt and whiten financial system is the reform and innovation of the financial repulsion and financial suppression of the past financial system.We should not only guarantee the breadth and depth of its coverage,but also eliminate financial restraint and financial discrimination through the reform and innovation of the system,so as to achieve financial justice and fairness.However,as a result of the rapid development,urgent success,the system is not perfect and other problems are emerging.With the advent of the era of Internet finance,its low cost advantage has greatly improved the degree of financial benefits and increased the possibility of implementing the Inclusive Finance.The combination of Internet and Inclusive Finance has achieved a win-win situation.Inclusive Finance has achieved an inclusive financial service supply.And provide more diversified financial products and services,make full use of the long tail market,to provide financial resources for the poor customers of low end customers.The use of Internet technology means,to accelerate the innovation of financial products and services and upgrade,to provide a more convenient payment and settlement,equity financing,P2 P and other financial products,broaden the scope of inclusive financial services,provide financial resources allocated for investment of small and medium-sized enterprises,innovative enterprises and individuals,has injected new vitality to inclusive finance.However,due to the lack of legal support and guidance mechanism,the legal nature of the Internet Inclusive Finance provides financial services to the definition of financial products is still very vague,lack of relevant law and normative legal documents is not perfect,especially for the legal supervision only gives the principle opinion,as for the supervision of the main body,content,operation there is no good clear,resulting in regulatory confusion,the existence of these problems seriously restrict the sustainable development of the Internet Inclusive Finance inclusive,there is a risk of huge potential.Therefore,this article from the current study,analyzing the current situation of legislation of Internet inclusive gold,focusing on the status of Internet Financial inclusion and legal issues,combined with the development status at home and abroad,summed up theconstruction of inclusive financial system of Internet environment,the improvement of the Internet inclusive finance legal system,expand credit scope,establish the Internet inclusive finance innovation the regulatory measures have important significance for the healthy development of Internet security of inclusive finance.