The Study Of Government Regulation In Internet Finance

With the advent of the Internet Information Age,the rapid development of social economy,the development of financial industry ushered in a new era.Since the end of last century,Internet finance has been developing in China,but it still needs to be improved in the aspect of Internet financial supervision.Internet finance not only broadens the financing channels for the development of small and medium-sized enterprises in China,but also drives the enthusiasm of the masses to start their own businesses and innovate.The development of Internet finance is affected by many factors,and the industry is particularly vulnerable to legal risks,credit risks,technical risks and so on,if these risk points are not in place,it will affect the security and stability of Internet finance and the entire financial sector.At present,the supervision of Internet finance has solved some practical problems,but in the face of the risks arising from the rapid development of Internet finance,there are still many problems in government supervision.The specific manifestations are as follows: lack of a clear definition of the regulatory body and functions of Internet Finance;incomplete legal system,which easily breeds illegal and criminal acts;Incomplete Credit Investigation System,which leads to incomplete Information asymmetry and disclosure;The information technology has the loophole,causes the network hacker to invade and so on.This paper analyzes the current situation of the implementation of Internet financial supervision by our government,and draws on the experience of foreign supervision,puts forward the countermeasures and suggestions to strengthen and improve the government supervision Second,we should improve the relevant policies and regulations,establish the market access and withdrawal system,and strengthen the third-party audit evaluation mechanism;third,we should improve the credit system and establish a big-data credit reporting system;fourth,we should improve the information disclosure mechanism and further clarify the platform rights and responsibilities;Fifth,attention should be paid to the protection of the rights and interests of users and consumers;sixth,Internet information security should be strengthened.The first part is introduction,which mainly elaborates the background,research significance,research ideas and methods,innovative points.The second part,the concept of Internet finance,related products,theoretical basis,risk point,clearly defined the basic principles and areas of Internet financial regulation.The third part,through combing the development course of Internet financial supervision in our country,studies the Internet Financial Supervision Organization and its function,summarizes our country to the Internet financial supervision achievement.The fourth part analyzes the current problems and causes of Internet finance in China.The fifth part,discusses the Foreign Developed Countries Internet financial supervision practice to our country enlightenment.The sixth part,put forward to strengthen and improve China's Internet Financial Regulation Policy Recommendations.The seventh part,has carried on the overall summary and the summary to the paper research Internet finance related topic.