Study On The Government Regulatory Of Internet Finance In Guangdong

In recent years,with the innovation of science and technology and the development of economy,Internet Finance represented by Internet payment,P2 P,crowdfunding,etc.has entered a vigorous development stage.The diversified development of Internet financial industry has brought profound changes and influences to China's financial industry: first,to provide people with richer,open,fast,efficient,equal and personalized financial products and services,to promote financial cooperation and sharing,and at the same time,to profoundly affect people's consumption patterns and behaviors;second,to break the constraints and institutional barriers of the original financial system The third is to broaden the scope and depth of Inclusive Finance,solve the problems of financial services such as small and medium-sized enterprises,rural areas and remote mountainous areas,and promote mass entrepreneurship.However,Internet finance,as a new industry and field,both market participants and managers lack sufficient knowledge and experience in dealing with related issues.The development of Internet finance needs a breakthrough on the basis of the original financial system.However,the profit-seeking nature of capital,the lack of rationality of participants,the lag of supervision and the inherent risk nature of finance together lay a huge risk for the Internet financial industry and investors.Internet financial risk events such as“e??”and Pan Asia International emerge in an endless stream.Internet financial companies have broken the capital chain,bankrupted and closed down,operators have"run away"from collecting funds,illegal fund-raising and other events happen frequently.The problem platform is exposed constantly,which seriously endangers the public's capital security and the national financial order.It is urgent to strengthen the regulation and supervision.This article uses literature research,quantitative analysis methods,on the basis of collecting relevant information,from the three aspects of online lending,online payment,and online crowdfunding to conduct an in-depth study of the Guangdong provincial government's supervision of Internet finance and comprehensively elaborate In view of the current situation of supervision,it highlights the existing problems,analyzes the causes of the problems in depth,and on the basis of drawing on the advanced experience of developed countries,puts forward directional thinking and countermeasures to further improve supervision.