Research On Internet Financial Supervision In China

Internet finance has been developing rapidly in China in recent years.Internet finance is increasingly closely related to our life.In the high speed development stage,there are 402 cases of investment and financing in the Internet financial market in China in 2015.The number of enterprises that have obtained financing is 370,and the financing amount is about 49 billion 300 million yuan.There are 459 cases of investment and financing in China's Internet financial investment and financing market in 2016.The number of enterprises completing financing is 427,and the amount of financing is about 90 billion 100 million yuan.In the 2016 year,the scale of investment and financing in the Internet financial market has increased by more than 182%.China's existing Internet financial supervision,whether in terms of methods,laws,or regulatory bodies,is flawed,resulting in the loss of hundreds of billions of Internet financial investors each year.Therefore,this paper is based on the theoretical basis,basic principles,main methods,and forms of expression of the Internet financial supervision,and carries out a comprehensive and systematic analysis.Based on the actual conditions of the development of the Internet and the theoretical basis of Internet financial supervision,the article analyzes the actual situation of the existing Internet supervision.Including the lack of financial licenses for some financial institutions in the Internet finance industry,the lack of specialized laws and regulations that regulate the development of Internet finance.On this basis,the article further analyzes its causes,including the suppression of the separation of industry supervision system and Internet financial supervision,the difficulty in balancing social supervision costs with regulatory efficiency,the weak economic foundation.Then based on the experience of the international Internet financial regulatory model,through the reference to the United States,the European Union,Japan and South Korea,it further proposed strengthening the coordination of Internet financial supervision,and exerting the self-disciplined management role of the industry.Laws,the establishment of China's Internet finance credit system and the strengthening of consumer other targeted recommendations,to better promote and promote the effectiveness of Internet financial supervision.