互联网金融之法律规制逻辑建构

Construction of Internet Financial Legal Regulation Logic

互联网金融行业发展过程中所凸显的监管缺陷说明我国监管层当前并无清晰的规制逻辑指引,倒逼式的具体法律规制机制可以弥补当前的制度缺陷,但是也面临着高风险成本和高制度成本的问题。厘清金融科技的法律规制逻辑,基于当前互联网金融的发展和规制现状准确定位我国当前所处的逻辑节点,同时对于金融发展过程中越发重要的问题实施明确的针对性措施,降低金融创新过程中的制度磨合成本,保护金融消费者利益,构建社会征信机制,促进互联网金融的发展,为金融科技新形态的出现创造良好的外部规制环境。

The deficiencies in the process of the development of Internet financial industry show that there areno clear regulatory logic guidelines, even the forced specific legal regulation mechanism can make up for thedefects of the current system, it also faces the problem of high risk and high system cost. This paper presents thatwe should sort out the logic of legal regulation of financial technology, locate the current logic node accuratelywhich is based on the current status of Internet finance, implement specific measures for the more and moreimportant issues, reduce the cost of system running in the process of financial innovation, protect the financialinterests of consumers, construct the social credit system, and promote the development of Internet finance, so as tocreate a favorable external environment for the emergence of new forms of financial technology.