Research On The Legal System Of Internet Financial Market Access

The rapid development of Internet finance has deeply integrated into and influenced people's daily life.The Internet financial industry has greatly promoted economic development.At the same time,the phenomenon of high risk and frequent problems in the Internet financial industry has aroused social concern,and the voice of strengthening Internet financial supervision has become increasingly high.Due to the lack of access threshold and industry rules in Internet financial market,competition is free,but not necessarily fair.China's Internet financial industry lacks legal constraints on market access mechanism,and there are gaps in legislation.In the context of the Internet entering a strong regulatory era,the importance of market access system as the first threshold to prevent Internet financial risks is self-evident.Starting with the relevant theories of Internet finance and extending to the market access in the field of Internet finance,this paper combs the current situation and problems of the legal system of market access in China's Internet financial market,tries to find out the solution to the existing problems,and puts forward relevant perfect ideas for the construction of the law of market access in China's Internet financial market at this stage.In addition to the introduction and conclusion,the main content of this paper is divided into four parts.In the first part,it mainly introduces the basic theory of the legal system of Internet financial market access,elaborates the connotation of the legal system of Internet financial market access,combines the concept and essence of Internet Finance and the role of market access system in regulating the operation of market economy,and further deepens the understanding of the legal system of Internet financial market access.This paper puts forward the principles and values that the legal system of Internet financial market access should follow,and makes an analysis of the necessity and appropriateness of the system.In the second part,it mainly introduces the current situation and problems of the legal system of Internet financial market access in China,and makes a detailed analysis of the reasons for the problems in the legal system of Internet financial market access from the legislative and regulatory levels.The main problems existing in the legal system of Internet financial market access in China include unclear regulators,too loose access conditions in some areas,unclear business scope,inappropriate supervision methods and unclear supervision conditions.Lagging of laws and regulations,low level of legislation,lack of goodcoordination mechanism in supervision and other factors have caused various problems in the supervision of Internet market access.In the third part,it mainly discusses the extraterritorial analysis and reference of the legal system of Internet financial market access,and analyses how the United States and the European Union carry out the legal regulation and system construction of market access in the mode of third party payment,P2 P network lending and equity-based crowdfunding.Based on the induction of the extraterritorial market access system,it summarizes the experience of foreign countries to me.The significance of China's reference and the analysis of specific measures.In the fourth part,it discusses the idea of perfecting the legal system of Internet financial market access in China,mainly including how to make up for the regulatory gap of market access system in legislation;and how to construct the regulatory system of market access.First,it elaborates the construction of their respective regulatory system from the aspects of various market subjects,namely operators,investors and consumers,and secondly,"three" on the macro level.Once again,according to the diversity of Internet financial model and the background of big data,we put forward the standards of technology access and the setting of differentiated access conditions.Similarly,based on the characteristics of Internet finance,industry self-regulation can play a certain role in promoting market access supervision.Therefore,we put forward suggestions for improving industry self-regulation norms,and finally link up.The corresponding supporting system in the supervision system of Internet financial market and market access system constitute a complete complementary Internet financial supervision system.The improvement of supporting system can maximize the effect of market access system and try to minimize the possible risks of Internet financial market.