Research On My Country's Internet Financial Supervision Issues

With the continuous development of Internet technology and the financial industry,the Internet financial has become a very popular topic in economic field at present.Since 2013,the Internet financial explosive growth,and presents the unfolding situation.Compared to traditional financial in our country,the Internet financial services become more convenient,higher coverage,more can meet the financial needs of most investors in our country,provide more convenient financing channel for individuals and small and medium-sized enterprises in China,the enthusiasm of the public participation is growing.The academic circles,so far there is no agreement to specific concept of the Internet financial standards,but its essence is the financial activities,financial activities and the depth of fusion of Internet technology,improve the capital allocation efficiency,the traditional model of the development of financial innovation provides more excellent customer experience,establish the lower cost of financial services platform.In 2014,financial problems in the development of the Internet were first written into the government work report,as the visible and the central government for the work of the Internet financial importance.However,with the development of the Internet financial growing,risk also increasingly serious problem.Internet financial fraud,withdrawaldifficult and illegal pools of capital financing problems such as frequent,leading to serious social problems caused high attention from all walks of life.According to the latest statistics of "net house",as of May 2017,P2 P network credit platform cumulative number of 5896,among them,the closed and the platform is 3748,accounting for 63.57% of the total number of platform,platform with the same period in 2015 shutdown and problem of only 43%,growth at a staggering rate.Internet financial should,therefore,how to regulate and who to regulation,how to deal with the balance between financial innovation and financial regulation Internet problems becomes the focus of widespread attention.Followed by a regulatory opinion,guiding principle and policy documents releasing.In 2015,according to the instruction from the central spirit,the China banking regulatory commission set up specifically for the management of the Internet financial work department,financial work,therefore,academic circles called the year of the first year of the Internet financial regulation.Internet financial specific definition,this paper expounds the main characteristics and development of the Internet financial basic situation,with the help of the Internet financial regulation related basic theory,analysis of the Internet financial impact on traditional financial and shock,the several common risk to the detailed analysis of the Internet financial major.On this basis,the foreign Internet financial regulatory measures and related practices,this paper compares and analyzes our government and institutional arrangements can be made use of.Finally,the paper about how to perfect our country Internet financial regulatory problems put forward countermeasures and Suggestions,provide the reference for the related financial supervision and regulation department.