论我国互联网金融监管措施的构建

The Construction of Supervision Pressure of Internet Finance

互联网金融以互联网技术和信息技术为基础,在传统金融基础上吸收互联网的效率优势,以其独有的开放性和跨业界性,对传统金融产品的互联网潜力进行全面挖掘,并根据实际情况,衍生出形式众多的互联网金融模式。从法律层面上来看,互联网金融在法律监督规制和管理规制上,存在着一定的监管盲区。我国现行的金融法,在互联网金融的合法性、监管机构以及监管制度上,都未进行具有针对性的立法和条款解释,使互联网金融暴露出多个方面的法制盲点。针对这种现状,应结合我国互联网金融已出现的类型、业务现状和法制实情,进行深层次的风险分析和体制剖析,为互联网金融能有序、健康地发展,提出法制建设的应对措施。

Internet finance is based on internet technology and information technology, and takes the absorption efficiency on traditional financial basis, with its unique openness and cross industry, the traditional financial products are fully tap the potential of the internet, and according to the actual situation, derived from many Internet financial models. From a legal perspective, the internet finance exist regulatory blind in law supervision and regulation. China's current financial law, the legality of Internet banking, regulatory agencies and supervision system, are not in line with the provisions of the legislation and interpretation, the internet financial legal system exposes many aspects of the blind spot. In view of this situation,it should make risk analysis and system analysis combined with the business status and legal truth of the type of China's Internet banking, then make the internet Finance develop orderly and healthily, and puts forward some countermeasures for the construction of legal system.