Research On The Supervision And Optimization Of Internet Financial Risks By Chinese Government

In recent years,Internet financial innovation products have been increasing,and risks in some financial fields have occurred frequently in China.The optimization and supervision of existing government financial risks poses a major challenge.The current government's optimization of Internet financial risk has not kept pace with the rapid development of China's financial industry,and regulatory reform is imperative.The Fifth Plenary Session of the 18th CPC Central Committee put forward the proposal of" reforming and improving the financial regulatory framework for adapting to modern financial markets”.In the National Financial Work Conference held in Beijing from July 14 to 15,2017,General Secretary Xi Jinping emphasized finance security is an important part of national security.Internet finance is also becoming more and more important in the financial field.Therefore,the academic community and the industry also focus on how to optimize and improve government Internet financial supervision.Based on the public interest theory,the new public management theory,and the relevant theoretical basis of public choice theory,this paper analyzes the domestic and international practical experience of government optimization supervision of Internet financial risk,and analyzes the current status of government supervision of Internet financial risk in China.Methods such as law,interdisciplinary analysis,and literature review method,through the typical cases of various problem platforms in recent years,illustrate the shortcomings of the current government supervision of Internet financial risk in China and analyze the reasons.Combining with the advanced experience of foreign countries,this paper analyzes the progress of Internet financial security from four aspects:industry self-discipline,access and exit mechanism,credit system construction,and supervision methods,and proposes relevant government regulatory departments to Internet financial channels in light of China's actual situation.Promote the Internet by adopting the " double-recording" model to optimize the Internet financial environment,establish a government-led,credit reporting system supplemented by private credit reporting agencies,clarify the scope of supervision,and establish a government of integrity to optimize government supervision of Internet financial risks.The financial industry is developing healthily.