The Chinese Government's Research On Internet Financial Supervision

China's financial system presents a typical dualistic structure at present,regional development imbalances,urban and rural development imbalances,industry development imbalances and income groups imbalances have created serious financial discrimination problems.Less developed areas,rural areas,small size businesses and low-income groups do not enjoy equal financial services,which seriously hinders the sustained and healthy development of China's financial system and the overall economic and social development.Based on reviewing the previous studies and the current reality of the development of China's financial system,this paper systematically analyzes the current situation,potential problems and causes of Internet Inclusive Finance in China on the perspective of Internet Finance.Firstly,this paper defines the connotation of Inclusive Finance and Internet Finance,and we analysis the financial development theory,financial deepening theory and the financial repression theory,Government functions and Inclusive Finance,Inclusive Finance and equalization of basic public services to examines the Inclusive Finance's theoretical basis.And we investigate the current development process of Inclusive Finance and the in-depth integration of Internet and Inclusive Finance in the current context to discuss the necessity and significance of the integration of Internet and inclusive finance.This study taking the United States as an example to examine the typical models and successful experiences of Internet inclusive financial development.Furtherly,this paper focuses on the analysis of the current development pattern of China's Internet Financial inclusion,such as the traditional mode,the innovative mode and the depth integration mode.And we have explored the several problems of the current Internet inclusive financial,such as the unbalanced development,imperfect supervision system,insufficient control capability and endless problems of information security.The reasons are analyzed,such as the lack of inclusive financial concept,the lack of risk control and quantification ability,the lag of infrastructure construction and technical level,and the lack of laws,regulations and regulatory system.Finally,we also put forward some countermeasures and suggestions from the aspects of improving relevant laws and regulations,strengthening system construction,guiding industry self-discipline and strengthening personnel training,promoting technological innovation and building risk defense system.The conclusions of this study may provide inspiration for the sustained and healthy development of Internet Inclusive Finance in China.