互联网金融监管的必要性与核心原则

The Necessity and Key Principles of Regulation over Internet Finance

本文讨论了互联网金融监管的必要性与核心原则。我们认为,对互联网金融,不能因为发展不成熟就采取自由放任的监管理念,应该以监管促发展,在一定的底线思维和监管红线下,鼓励互联网金融创新。对于互联网金融,金融风险和外部性等概念仍然适用,侵犯金融消费者权益的问题仍然存在。因此,审慎监管、行为监管、金融消费者保护等主要监管方式也都适用。鉴于部分互联网金融活动的混业特征,针对互联网金融的监管协调也必不可少。

This article discusses the necessity and the key principles of regulation over internet finance. It is impru-dent to adopt a laissez-faire approach just because interact finance is still at a nascent stage of development. Instead, solidregulation is indispensable to the healthy development of interact finance. Innovations of interact finance should never crosscertain regulatory limits. For intemet finance, concepts such as financial risk and externalities are applicable, and rights of fi-nancial consumers are vulnerable to infringement. Therefore, it is necessary and feasible to adopt prudential regulation, con-duct regulation, and financial consumer protection for internet finance. Besides, since some activities in internet finance actu-ally involve financial comprehensive operation, regulatory coordination should be enhanced.