互联网金融的法治路径

The Legal Path of Internet Finance

互联网金融在创新过程中,在对我国金融服务的层次上起到了一定补充作用的同时也存在对已成立的法律制度的突破,因此给整体的金融市场带来一定的不稳定性,而且影响了互联网金融本身健康与持续的发展和整个经济秩序的稳定,同时对投资者的财产构成欺诈性地剥夺。为充分发挥互联网金融对经济发展的作用,并保持该行业的持续发展与金融秩序的稳定及对投资者的财产的保护,互联网金融应回归到法制的轨道上来:一是互联网金融应对已成立的法律普遍服从;二是互联网金融需要良法之治;三是建立互联网金融监管制度。

The innovate process of Internet Finance has made a supplement on the financial service of China at the same time,however,has made a break through of the existing law and thus bring the instability to the whole financial market. Also,it has an influence on the good and steady development of Internet Finance itself,on thestabilization on the economic and deprives the wealth of investors in a cheated way. To make full use of the Internet Finance to promote a better economy,to let the industry develop in a steady way,to stabilize financial order and to protect the properties of investors,Internet finance should return to the track of law. Firstly,Internet Finance should comply with all existing law. Secondly,Internet Finance requires fine law. Thirdly,Internet Finance regulation should be built.