Optimization Strategy Study On "Penetrating" Supervision Of Chinese Internet Finance

The combination of Internet technology and conventional finance has caused a plethora of financial advances that have had a deep impact on the financial sector.In recent times,the emergence of Internet finance has seen a considerable expansion in our nation’s financial markets,yet it is also a peril due to its swift growth.The regulators,faced with the potential risks and severe challenges of Internet financial innovation,had to swiftly incorporate it into their special rectification and comprehensive management due to the emergence of a series of issues requiring more flexible,stringent,and technical oversight.It is only logical that special supervision and strengthening supervision be necessary due to the particularity and reality of Internet financial risks.it is necessary to effectively supervise Internet finance.However,the current system of sub-supervision in our country cannot meet the requirements of supervision.In China,"penetrating" regulation,which is tailored to the characteristics of Internet financial regulation,has been embraced and flourished.As the transition from a special rectification to a long-term supervision system is underway,this new regulatory model,suitable for Internet finance,has been brought to the forefront.The convenience and flexibility of internet finance have enticed a vast amount of users.However,Internet finance has not been launched for a long time,and it is also faced with severe challenges of security.Internet finance is a new way of finance,which originates from Europe and the United States.By delving into the regulatory practices and approaches of these countries,we can gain a deeper comprehension of the growth of Internet finance and suggest effective regulatory strategies to avert and manage the dangers of Internet finance.As an important policy guidance to solve the malpractices of separate management and open up the chain of financial risk prevention,"penetrating" supervision has been increasingly concerned and studied by financial regulatory authorities.At present,there are still some institutional and mechanism constraints in the implementation of "penetrating" supervision n China,and there are still some vague Spaces and blank areas,which bring difficulty to clarify regulatory responsibilities,clarify regulatory authority and improve regulatory effect.In order to effectively prevent and control Internet finance risks,this paper puts forward the feasibility of "penetrating" supervision on Internet finance in China based on research and analysis,and discusses the regulatory subjects,boundaries,methods and accountability in the implementation process of "penetrating" supervision.Finally,by studying the current situation of the "penetrating" supervision of Internet finance in our country,we will further study the existing problems,explore ways to support and provide targeted policy suggestions.