Research On Government Regulation Of Internet Finance

Internet finance refers to a new form of financial industry that combines the Internet and finance,which is the general trend of the development of the financial field in the future.At the same time,it is the only way for the development of market finance,which has a broad development space and prospect.The model of Internet finance can help the development of financial business to enter a healthy and stable state,thus laying a solid foundation for improving and perfecting the market financial system.Compared with the development characteristics of traditional finance,Internet finance has significant concealment and strong innovation,which can inject new vitality into the development of market finance.However,in the process of development,Internet finance is also faced with severe pressure and challenges,and risk supervision and management encounter obvious obstacles,leading to an endless stream of financial crimes in the society,seriously affecting the stable financial order,and causing social unrest.Through the analysis of the development of the financial industry in recent years,governments at all levels have always attached great importance to the improvement of the management mechanism and supervision mechanism,and implemented strong supervision over the development of the financial industry.However,in the implementation of specific supervision work,there will also be a series of unavoidable problems,which need to arouse the attention and thinking of the management department.In the process of in-depth understanding of the concept and development form of Internet finance,it can be combined with the analysis of network petty loan network credit business,so as to comprehensively grasp the Internet finance.In the process of analysis and discussion,this paper fully combines the theory of information asymmetry,principal-agent theory,government regulation theory and other theoretical basis,and then USES the method of combining theory and practice to carry out the subject analysis,so as to ensure the objectivity and scientific nature of the research results.Firstly,based on the development reality of Internet finance in China,this paper analyzes the risks of online small loan industry and the specific government supervision work with practical examples,explores the practices of government staff in supervision work,points out the problems and drawbacks,and works out specific and feasible countermeasures for improvement,providing certain reference for government departments.The specific research results are as follows:The specific research results are as follows: First,at the present stage,the overall scale of China’s Internet finance industry continues to improve,asset quality continues to decline,the implementation of supervision work is not in place,the financial supervision system needs to be further improved and optimized.Second,there are many deficiencies in government supervision,such as the fuzzy supervision boundary and the lack of a perfect supervision system,which seriously affect the effectiveness of supervision work,lead to the existence of many non-standard business behaviors,and affect the stable market and financial order.Third,this paper around the above issues around the government work to put forward guiding opinions and countermeasures.Through this research topic,further improve the theoretical system of Internet financial supervision research,help government departments effectively carry out Internet financial supervision work,and promote the stable and healthy development of Internet finance in China.