Essay代写：Regulation of Internet finance－r51due

下面为大家整理一篇优秀的essay代写范文- Regulation of Internet finance，供大家参考学习，这篇论文讨论了互联网金融监管的问题。随着互联网在金融方面的迅速发展，已经制定了许多法律法规，建设的完善和创新势在必行。虽然第三方支付、虚拟信用卡领域已经有了部分的处理控制和监管措施，但仍存在许多不完善之处。现有的监管框架更适合传统的金融业，但网络金融的匹配度和拟合度较差。因为网络财务固有的特点和独特性，使得预测资金的变化更加困难，增加了现场测试的难度，也提出了更严格的要求。

Network finance is the combination of traditional finance and modern Internet technology. The emergence of network finance has brought a certain impact on China's traditional financial industry, but also brought a new impetus to reform, it has formed a benign competition between network finance and traditional financial institutions. With the development of social economy, the development of network finance in our country is faster and faster. With the development of the country and the innovation of Internet technology, the customer base of network finance is increasing. Network finance will become the core competitiveness of the financial industry in the future, and the gold financial services of traditional financial institutions will be transferred to the Internet. The traditional concept of users will gradually change, different levels of customer needs can be met, the traditional business and consumer behavior has been subverted.

In order to standardize the healthy and orderly development of network finance, it is necessary to carry out reasonable legal supervision. In practice, there are still many problems and deficiencies in the legal supervision of network finance in China.

Compared with developed countries, China has not established a mature and perfect network financial management framework. However, the changing social environment has imposed stricter requirements on our financial sector. Internet finance has penetrated into the development of many financial sectors, and many problems are gradually increasing and spreading. At present, there are still the following problems in the regulation of Internet finance in China:

The intrinsic attribute of network finance has not been accurately judged and established. At the same time, many lending activities have infiltrated many Internet platforms. Although many "commercial banking laws" and "insurance laws" have deepened and improved the development of the financial industry, there is no innovation. Embedded finance is a new element, and although the "Internet insurance regulations" were completed and written in 2011, the document has not yet been written. With the rapid development of Internet in finance, many laws and regulations have been formulated, and the perfection of construction and innovation are imperative. We should not only strictly define market access, but also strictly regulate the market.

There are some processing control and supervision measures in the field of third-party payment and virtual credit card, but there are still many imperfections. First, only when the financial industry implements a separate regulatory framework can Internet finance be born. Enhance the penetration and influence of the three industries, form a binary mixed pattern, business more clear and prominent. Mixed industry and mixed industry phase separation, aggravated the degree of financial chaos. Second, due to its inherent particularity and the uniqueness of Internet finance, the past innovation is more and more obvious, so that the existing clear rules cannot be popularized and cover every detail of business. Finance includes high-value, high-gold-bearing technologies, which impose strict requirements on the robustness and integrity of the existing regulatory framework. Finally, the strategic objectives and related business requirements are put forward. Online finance originates from online transactions. The authorities prosecute authentication and supervision. They do not have reliable and clear information, nor can they obtain complete and accurate information. Therefore, in today's rapid development of the Internet, we also need to strengthen the regulatory framework.

The existing regulatory framework is more suitable for the traditional financial industry, but the matching degree and fitting degree of network finance are poor. Because of the inherent characteristics and uniqueness of China's network finance, it is more difficult to predict the change of funds, increase the difficulty of field testing, and put forward more stringent requirements.

The ever-changing social environment puts forward stricter requirements for network financial supervision. It is undeniable that Internet finance has its advantages, which can not only expand the breadth and depth of financing channels, alleviate and improve the contradiction of information asymmetry, but also reform China's financial industry.

The development of network finance is relatively late and has little influence on the financial market. If there is too much interference in this area, regulation will not protect their interests. And development can produce opposite effect, become the stumbling block that network finance develops thereby. These principles should therefore be rooted in the regulatory process, creating a relaxed and orderly environment for its development. However, the regulatory framework must be established with the birth of illegal black people as the bottom line. This paper discusses the risk control and establishment of network financial supervision in the United States and European Union.

Only by rationalizing and practicing the scientific development mode of network finance and establishing a perfect self-discipline mechanism can the development of the industry be guaranteed. The implementation of network loan control and management measures is related to the efficiency and reliability of financial association management. Therefore, we can use its development experience for reference to guide the development of domestic industry: first, create the first. Define the standards of access and define the nature of the business in a refined and efficient way. At the same time, the details of the operation of standardized processes and the legitimacy of the organization are also required. The second is to establish a severe punishment mechanism to punish the illegal ni duan, so as to protect the rights and interests of investors. Finally, establish a more practical and highly applicable collusive mechanism, which can fundamentally control and constrain management behavior.

China mainly implements the management measures of separate supervision, which provides a strong support system for the sustainability and stability of finance. Starting from the intrinsic property and uniqueness of network finance, make its virtual openness more prominent, and improve its penetration and integration. Cross-border and cross-regional management will be increasingly strengthened. However, the applicability of the previously implemented independent regulatory approach will be gradual, and in this context, separation and convergence should be innovatively embedded.

The comprehensive regulatory framework not only has a comprehensive understanding of regulators, but also improves the applicability and compatibility of regulators, so as to control and supervise the business activities of the financial industry from multiple perspectives and directions.

We will improve relevant laws and regulations. First of all, the current securities law, insurance law made clear provisions, and innovation and improvement. Secondly, based on the financial law, a new financial legal system is proposed to define and require the development of the financial industry. In the case of the us, for example, innovation has been established to provide financial guidance to entrepreneurs. In addition, it can control and supervise financing platforms. Finally, we need to rely on the effective functioning of government to establish a rigorous and sound framework for the development of the Internet.

We will accelerate the development of a social credit system. Credit system plays an indispensable role in the development of various industries. Once a complete and effective credit system is established, it can not only alleviate and improve defects, but also improve the security and reliability of relevant platforms. Therefore, the establishment of credit intermediary organizations should be attached great importance. The framework of enterprise credit assessment has strong applicability and feasibility, and has established a strong and substantial commercial credit database. To deepen the client's interest in re-editing the document, careful consideration and review will improve the accuracy of the decision and add a helping hand to the decision.

Establish network technology security protection mechanism. In the implementation and practice of relevant Internet financial services, it is necessary to rely on efficient Internet trading platform. However, the resulting safety factor is very low. Due to the fair theft of data, there is an urgent need to improve the content of gold in network technology to protect related activities. First, adhere to the original legal framework, and then give a detailed definition of network technology maintenance, increase the cost of illegal ACTS. Secondly, at this stage, the security of network technology should be included in the scope of supervision, in order to improve the importance of network technology. Finally, attention should be paid to the cultivation of network technology. Only by enhancing its richness can we provide advice for the establishment of normative framework and provide strong support and supervision for the strengthening of management.

For the emerging Internet finance business model, we should control the regulation within the appropriate scope, create a loose and stable development environment, in order to promote the development of Internet finance. At the same time, it is necessary to clarify the existing problems in the current industrial development and carry out detailed control and supervision from multiple perspectives, such as establishing supervision system and information disclosure. It lays a foundation for the steady development of this industry and improves the comprehensive efficiency of the financial market.

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