Research On The Dispute Resolution Mechanism Of Internet Finance

Internet finance is a new financial business model that traditional financial institutions and Internet enterprises use Internet technology and information and communication technology to realize capital financing,payment,investment and information intermediary services.[the definition of Internet finance in the guideline on promoting the healthy development of Internet finance] In recent years,Internet finance has been quickly accepted by consumers for its convenience and openness,and is developing rapidly.But at the same time,a series of problems have been exposed correspondingly.Basically,Internet finance is still in the extensive growth stage of imperfect regulation,frequent risks and vulnerable rights and interests of financial consumers.In such a special stage,the disputes of Internet finance become frequent,and the dispute resolution has also attracted people’s attention.However,due to the new type and changing speed of Internet finance,the current dispute resolution mechanism in China is not strong enough to cope with the Internet financial disputes.How to establish a more perfect Internet financial dispute resolution mechanism in such a special stage to protect the legitimate rights and interests of Internet financial consumers and at the same time promote and protect the innovation and healthy development of Internet financial transactions is a question worth thinking about.Based on the analysis of the current Internet financial dispute resolution mechanism in China,this paper finds out the deficiencies of the existing Internet financial dispute resolution mechanism,learns some domestic and foreign good experience,combined with the actual situation of China’s Internet finance,analyzes the positioning and value of China’s Internet finance dispute resolution mechanism,and puts forward some suggestions to improve China’s Internet finance dispute resolution mechanism.