互联网金融统一法律监管模式探析

Internet financial unified legal regulation mode analysis

互联网金融的发展方兴未艾,引起了社会各方面尤其是监管层的关注,如何做到既能防范风险又能鼓励互联网金融创新服务大众,探索出一种符合互联网金融特点的法律监管方式是当务之急。法律监管模式必须依据发展特点,混业经营是互联网金融的主要特征,涉及到了证券、保险、银行、基金等不同的金融业务,跨度大业务综合性强,同时,互联网金融集团的出现进一步加大了法律监管难度,我国现行分业监管模式难以对互联网金融的有效监管,鉴于此,须对互联网金融法律监管实行统一监管模式。

The development of the internet financial ascendant, caused the social various aspects, especially the attention of regulators, how to do to guard against risk and encourage financial innovation serve the public internet, explore a way to accord with the characteristics of the internet financial legal regulation is a priority. Legal regulation model must be based on development characteristics of mixed management is the main feature of the internet financial, involved in securities, insurance, banking, funds and other financial business, big span business comprehensive strength, at the same time, the emergence of the internet financial group to further increase the difficulty that the legal regulation, the current pattern differentiated regulation is difficult to effective regulation of the internet financial, in view of this, must be unified supervision and management of financial legal regulation model of the internet.