我国互联网金融运行中存在的不足及完善建议

The Shortcomings and Improvement Suggestions in the Operation of the Internet Finance

随着"互联网金融时代"的来临,我国互联网金融进入了发展的高峰期。然而,在其实际运行中,存在着诸多的不足,主要体现在互联网金融监管主体监管缺失、互联网金融经营主体信息披露和信息保护不健全、互联网金融系统自身应用技术的不完善三个方面,这些不足严重阻碍了互联网金融的健康有序发展。因此,有必要健全互联网金融监管体系,完善信息披露、保护制度,加强互联网金融消费者权益保护,构建互联网金融信息技术安全制度,有针对性地完善互联网金融运行过程中存在的不足。

With the advent of“Internet Financial Times”, internet financial entered a peak period of development in our country. However, there are many shortcomings in the actual operation, mainly re-flected in three aspects：the lack of regulation in the Internet financial supervision main body, the un-sound of information disclosure and information protection in the Internet financial operator main body and the imperfection of application technology in the financial system itself, which are seriously hin-dered the healthy and orderly development of Internet finance. Therefore, it is necessary to improve the Internet financial regulatory system, consummate the information disclosure and protect system, strengthen the Internet financial consumer rights and interests protection, build the Internet financial information technology security system, targeted to improve the defects of Internet financial operation process.