混业经营下互联网金融监管的法律问题研究

Study on the legal problems of mixed operation of financial supervision of Internet

近年来,互联网金融获得井喷式式发展,但相关法律法规、监管体制、风险防控手段等还不健全,这导致出现分业监管体制在混业经营下监管无力、个人隐私信息泄露、征信系统的不完善增加了交易风险等问题。我们要加强立法工作,修订有关法律并出台监管细则,在协调监管下逐渐建立适应混业经营的综合监管机构,实现信息共享,明确消费者保护机构的权责,促进互联网金融健康、有序地发展。

In recent years, Internet finance as a product of financial innovation has shown a blowout, diversified development, under the trend of financial mixed operation, Laws and regulations related to Internet banking supervision, supervision system, risk prevention and control measures are not perfect. Lack of Internet financial regulatory laws and regulations and its supporting system increased the difficulty of supervision and the supervision system of separate supervision is weak under the mixed operation. Loss of the rights and interests of the main trading mechanism make consumers face personal privacy information leakage and other issues. Meanwhile, the imperfect credit system increases the transaction risk. Therefore, we should strengthen the legislative work, the revision of the relevant laws and the introduction of regulatory rules . Establish a com- prehensive supervision mechanism under coordinated control to adapt to the mixed operation gradually and share information with each other. Clarify the rights and responsibilities of consumer protection agencies to achieve effective supervision, coordination and supervision to promote the healthy and orderly development of Internet finance.