Research On Prevention Of Internet Financial Crimes In China

With the rapid development of Internet finance in China,Internet financial crimes occur frequently.So the government attaches great importance to the prevention and control of Internet Financial Crimes.If we can effectively prevent Internet financial crimes,Internet financial risks can be circumvented,consumer rights can be protected,public and economic harm can be reduced,and It is conducive to promoting the healthy development of the Internet financial industry.First,the paper summarizes the concept,characteristics and types of Internet finance and Internet financial crimes.Then the paper uses the method of system analysis to analyze the current situation and main problems of Internet financial crimes in China.the paper establishes the game model between the Internet platform and the supervision department,a game model between the Internet platform and consumers,a game model among Internet platform,consumers and the supervision department.The study found that the game equilibrium path among the platform,the Internet financial regulators and consumers.The path is regulatory authorities supervise Internet financial platform,Internet financial platform reviews consumer and consumers do not cheat.The results show that the Internet financial platform can protect the interests of the public through the self-restraint behavior of the consumer review,and the supervision department can protect the public interest through the supervision of the Internet financial platform.Internet finance platform,platform consumers and supervision department need work together to reduce the Internet financial crime.Finally,the paper puts forward the policy recommendations to prevent and control internet financial crime from the Internet financial platform,regulatory authorities and consumer three aspects.Government regulatory authorities should increase regulatory investment in the Internet financial platform.It helps to promote the Internet platform self-restraint,reduce the loss of the public interest.If the Internet financial platform increase investment in consumer review,it can protect the interests of the Internet platform and reduce crime.Based on this,for the self constraint of the Internet banking platform,the paper puts forward three suggestions.Such as government should strengthen credit system construction,promotes internet financial industry self-regulation, accelerates the formation of the Internet financial information technology security building;For regulatory authorities,the paper proposes to strengthen the organization and coordination of the implementation of the main responsibility,improve internet financial legal system,a good grasp of the financial supervision of the Internet;For consumers,the paper suggests to strengthen the awareness of prevention.Studying prevention and control measures of Internet financial crime can not only promote the mass innovation,entrepreneurship and supply side reforms,and accelerate the implementation of innovation driven development strategy.But also it can expand the coverage of financial services and promote economic transformation.