论我国互联网金融监管的法律路径

On the legal path of Internet Financial Regulation in China

互联网的深入运用导致各行各业的业务流程和发展速度都得到明显提升,将其运用到金融行业中能够有效地增强行业普及面积,实现"普惠理念"。在互联网金融"开放","平等","共享"精神下,中小企业和个人的资金获取渠道和利用率都得到了开拓,但也出现了监管困难、风险加大、事故频发的现象。在这一背景下,优化互联网金融监管的法律体系,为其提供权威指导具有重要意义。本文首先研究了互联网金融的主要内容和特点,进而结合当前的监管体系,分析了其监管法律体系不完善的现象,最后提出了一些互联网金融监管法律路径,旨在促进我国互联网金融的良性发展。

The deep use of the Internet triggers the obvious promotion of business process and increase of the development speed in all walks of life. Using it to the financial industry can increase the coverage of the industry efficiently and realize the Concept of Univer- sal Benefits. Under the Intemet Financial spirits of Open, Equal and Sharing, the access to funds and utilization factor of small and me- dium-sized enterprise and individual get to develop. However, there appears some phenomenon of regulation difficuhy, an increased risk and frequent accidents. Under this background, optimizing the legal system of Internet Finance has an important significance to provide an authoritative guidance. This article firstly does the study on the main content and characteristics of Internet Finance, and then combines the current regulation system, analyzes the unperfect situation of its regulatory legal system and finally puts forward some legal paths of Internet Financial Regulation, aiming at promoting good development of our country ＇ s Internet Finance.