| In recent years,with the promotion of mobile Internet,big data,block chain,AI,cloud computing and other emerging information technologies,Internet financial business has been developing rapidly in China.The main representatives are Internet payment,equity financing,Internet lending,Internet insurance,etc.With the rapid development of these fields,some problems and risks have also been accumulated.It is well known that a series of high risk events such as cash loan and P2P platform running in recent years,they have caused a great negative impact on the reputation of the industry,which has aroused great concern from all walks of life.The construction of the Internet financial supervision system has great significance for the long and healthy development of the industry.On the basis of combing the current situation of China's Internet financial development,the paper analyzes the types and characteristics of China's Internet financial risk.At present,China's Internet financial industry has greater risk of compliance,and the lack of infrastructure construction leads to a regulatory vacuum.Combined with the existing financial regulatory system,the paper puts forward the principles of China's Internet financial regulation,including access regulation,coherence regulation,behavior regulation,penetrating supervision and innovative supervision.Finally,the paper puts forward the policy suggestions for the construction of China's Internet financial supervision system.In the short term,China should set up the Internet Finance Specialized Committee of the State Council's financial stability development committee to make up for the deficiencies of the existing separate supervision system and speed up the construction of a multi-level supervision sandbox system.In the long run,China should explore the macro Prudential policy framework of Internet finance,fully develop regulatory technology and strengthen the international coordination of Internet financial supervision. |
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