互联网金融：监管与法律准则

Internet Finance:Regulations and Legal Rules

互联网金融兼具普惠金融与跨业经营之双重特性,使其在现有金融监管体制下极易出现监管真空或监管重叠,加之缺乏明确的监管机构和具体的监管规则,使得我国互联网金融风险不断积聚,改善和加强监管已是当务之急。互联网金融的监管及法律规则的构建应将互联网金融消费者利益保护置于首位,力求达成金融效率与金融公平兼顾,金融创新与金融安全并举之目标。其监管应契合中国金融监管体制的改革和多重资本市场下证券交易制度的变革,实行功能性监管,设立统一的金融消费者保护机构,并制订统一的监管规则。

The dual attributes of internet finance that combine inclusive finance and multi-operation can readily lead to regulation vacancy or overlapped regulations under the current financial regulatory system. In addition, because of the lack of unified regulatory agency and clear concrete regulatory rules, the risks of internet finance have accumulated, calling for regulatory interventions urgently. In the process of regulating internet finance, the protection of the interests of financial consumers shall be the top priority, and we should put equal weight on financial efficiency and financial fairness, and achieve both innovation and safety in finance simultaneously. Specifically, the regulations on internet finance should be functional and fit in the big picture of the reforms of China＇s financial regulatory system and security exchange systems, and we need to set up a unified agency and regulatory rules to protect financial customers.