Paper代写：Internet Financial Supervision－r51due

下面为大家整理一篇优秀的paper代写范文- Internet Financial Supervision，供大家参考学习，这篇论文讨论了互联网金融监管。互联网金融，就是借助互联网去实现资金的融通、支付以及投资和信息中介服务等的业务模式，是金融行业的一种新兴模式。虽然互联网金融给大家带来巨大的好处，但这种金融平台面临的问题也非常多。国家只有通过强化立法等强制手段去加强互联网金融市场的监管，细化监管工作，加大惩处力度，才能解决问题。

Internet Finance, that is, through the Internet's large data advantages and the function of cloud computing, traditional financial institutions and Internet enterprises in the open platform of the Internet, to achieve the financing of funds, payment and investment and information intermediary services, such as business models, is a new model of the financial industry. With the advantages of low cost, high efficiency, wide coverage and rapid development, the rapid development in China in recent years has attracted wide attention from all walks of life, but its weak management risks greatly enlarged the risk factors of traditional finance. As a typical model and representative of Internet finance, Peer-to-peer has developed rapidly in 2011, and the trading volume is soaring, but the problems of the platform are also highlighted, and the State pays more attention to its regulation and supervision.

2006 China began to appear peer-to-peer network loan platform, the initial development of more prosaic, 2011 into the rapid development phase, 2012 into the outbreak period, 2013 is booming, so far, its development is still hot. According to the relevant statistical reports, as at the end of September 2015, China's PEER-TO-PEER network loan industry's historical cumulative turnover, has reached 9 78.7 billion yuan, and its synchronized growth and Peer-to-peer network loan balance, also as of the end of September 2015, the loan balance has increased to 3 17.636 billion yuan, and as of February 2016, China's Peer-to-peer platform total of 3 944.

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The crisis of Peer-to-peer network loan mainly includes the following aspects: first, because the operator does not understand the management or poor management caused by the income and the cost of the deficit, so that the platform operation is unsustainable, this kind of risk is generally borne by the operator, in principle, does not affect the transaction subject. The second is the failure of the transaction, that is, the investor's credit judgment is wrong, and the bad debts and the loss of their own interests, this risk is borne by the investors, therefore, the transaction system, especially the optimization of the credit system is very critical. The third is the frequent occurrence of fraudulent incidents, which is mainly exploited by unscrupulous criminals to carry out illegal fund-raising, fraud and so on and finally flee; four is the hacker attack, this is the network security risk typical performance in the Peer-to-peer net loan, not only affects the normal operation of the internet finance, but also is the huge hidden danger of the consumer's personal information and the fund security, pats the loan, everybody loans and so on the platform has been Incomplete statistics show that in the first half of 2013, there were more than 100 peer-to-peer platform hackers, resulting in one of the super 70 platforms to flee. Five is a series of exposure events on peer-to-peer network loans, especially in 2015 years "$number" party to part of the problem platform and events of the most typical exposure, on-line, the National credit platform of the collapse, run, fraud and other acts of exposure. Thereafter, the trial of the Peer-to-peer platform has also been exposed.

Peer-to-peer network loan in China in recent years, the emergence of the outbreak of the trend, with obvious spontaneous characteristics, by the market and related departments of supervision is still deficient, by a certain market environment, will inevitably appear a mixed phenomenon, by some lawless elements drilled the loophole. However, at present, still in the initial stage of development, has not yet clear legislation, which makes the state of its regulatory efforts increasingly difficult to adapt to its development status.

First, strict access standards. At the end of 2015, the relevant departments studied and drafted the interim measures for the management of the business activities of the intermediary institutions of network lending (soliciting opinions), and clearly pointed out that the overall principle of the supervision of the net lending industry should be based on market self-discipline, and supplemented by the necessary administrative supervision, the supervision of the threshold of Peer-to-peer access has been canceled, so as to strengthen the acceptance of Peer-to-peer network credit banking or companies, such as the qualification audit, the registration of their applications and business license requirements to be more strictly enforced, And the borrower's credit should also be strictly approved. Second, to optimize the operation mechanism. This is mainly to maintain the financial security of all parties, mainly the management of funds and the collection of receivables and other issues to deal with. First, in order to protect the safety of funds, we should choose the third party payment platform which is in accordance with the qualification of the central bank to pay the licence; Secondly, we should set up internal repayment mechanism to unify the lending and loan parties to provide a certain mutual supervision channel to restrain their behavior. Finally, do the exit test well. To test the development trend of Peer-to-peer network loan platform and Enterprise, when it is found that there are signs of delisting, we should take effective measures in time, especially closely monitor its business dealings with financial institutions, on the one hand to prevent the transfer and infiltration of risk, on the other hand, to protect the interests of investors, the ultimate goal is to maintain the security and stability of the financial industry.

In essence, the peer-to-peer belongs to the folk small loan. With the rapid development of Peer-to-peer network, many new market phenomena are becoming more and more obvious, with the increase of the number of platforms and the increase of trading volume, the internal adjustment mechanism becomes more and more difficult to guarantee its order, and the transaction subject becomes more and more complicated, and the credit quantification mechanism of the borrower is imperfect. Therefore, it is of great practical significance to restrict it at the level of legislation. The relevant departments should give full play to their functions and supervise the work well. In particular, the Internet Financial Association of all members, should strengthen collective cooperation in the big situation, actively do their own responsibility for the specific work, in the formulation of industry norms and training of practitioners, regulating disputes, etc. should be detailed, to ensure that the internal environment of the market neat, the norms of personnel behavior; The relevant departments of the Government should do the inspection and acceptance work well, and the function of macro-control can not To give some punishment to the behavior of the lawless elements, to punish the illegal acts vigorously, is the compulsory means to guarantee the market order, is also a powerful means, the state has made a clear proposal to the Peer-to-peer industry including prohibit the absorption of public deposits, no funds pool, etc. But on the current market situation, there are still lawless elements do not regulate their own behavior, therefore, strengthen the implementation of this part of the punishment supervision, is imperative. The state can put forward corresponding punitive measures according to the market behavior, especially those who have reached the level of the trial, and should be punished by law and exposed.

Credit is the core of the loan business, and the credit evaluation of the lenders and operators is very important in the Peer-to-peer network lending industry. At present, there is a serious information asymmetry in the Peer-to-peer network loan industry, which makes the transaction risk and the user's personal information security greatly threatened. At present, the bank credit system is not included in the Peer-to-peer network loan industry, so, based on the protection of customer information and financial security considerations, the regulatory authorities should establish a sound evaluation and review system. To the banks and financial institutions as well as the cooperation of the Internet companies to determine the qualification, but also strictly to the lender's credit evaluation. The establishment of this system is to establish a sound database system for all users involved in Peer-to-peer network credit business identity authentication. This data system should be open to the industry as a whole, and all qualified platform enterprises in the industry have the right to when the lender submits personal information, the platform can search the database system for the person's relevant information, especially when the other party provides false information and has had bad credit records on other platforms, it can be found immediately, thus avoiding the risk of fraud. On the other hand, the establishment of a unified credit evaluation system, so that more resource data can be fully shared, but also greatly reduce the cost of credit audit.

Market self-discipline is the core principle of the supervision of the current network lending industry, which is decided by the subjective tendency of the market subject, and has a decisive influence on the healthy development of the net loan industry. Therefore, it is the most effective factor to guarantee the safety and maintain order that the market subject can strictly regulate its behavior under the current environment and carry out the standardized operation. First, the whole industry self-discipline. At present, our country already has the related mechanism existence, such as the Internet Financial Association's profession self-discipline Organization more and more, especially in the region or region of the institutional organization is also more prominent, these associations are responsible for mediating the respective areas of the network lending market, through the establishment of corresponding industry norms, so that a certain region of the network lending industry behavior are based on, making supervision more smooth. At present, it is the key to improve the self-discipline of the net-lending industry to refine related work of relevant industry autonomy. Second, the operator's self-discipline. The self-regulation of the operators mainly manifests in the compliance operation and the corresponding risks, and effectively safeguards the investors ' fund security and information security. At present, there is a certain capital idling phenomenon in the market, which is that the illegal operators use the network to lend their own characteristics, and ultimately damage the interests of both investors and lenders. Managers self-discipline on the one hand is the operator to regulate their own behavior, on the other hand is the management of enterprises and risk control, not only to do a good job of the constraints on the first personnel, but also to reduce the risk of management, and the courage to take risks.

In the Peer-to-peer network loan, the platform enterprise plays the function of the information intermediary, therefore, the antagonism between the investor and the lender is more prominent, and the capital risk of the investor is mainly from the lender.

Therefore, the investor in the Peer-to-peer transaction, must uphold the rational investment concept, should always pay attention to avoid risk. On the one hand, consider whether the borrower has certain credit, whether there is any possibility of fraud, this requires the investor and the Platform enterprise to the borrower's personal identity information and credit rating to make a detailed understanding and reasonable evaluation; On the other hand, it is important to consider whether the actual conditions of the borrower exist other factors that may result in the inability to repay the loan on time. On the basis of full understanding of the borrower, or to pay attention to the use of a certain investment strategy, to selectively invest in multiple platforms, should pay attention to avoid blindly large-scale investment, to fully consider their own risk tolerance.

The development of Internet finance industry has entered a new stage, the influence of the national economy is more and more prominent, the healthy development of internet finance is an important aspect to promote the social financial stability. Not only has the traditional financial risk factor, but also is affected by the Internet environment and so on uncertainty factor, its operation development also has the certain crisis. At present, it is the necessary means to realize the healthy development of the Internet financial industry to strengthen the supervision of the Internet financial market through enforcing the legislation and other coercive measures, to refine the supervision work, to increase the punishment, to ensure the self-discipline of the industry and the operators, and to advocate the rational investment of investors.

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