互联网金融分层监管思考

Thinking on the Stratified Supervision of Internet Finance

近年来,以互联网支付、P2P网络借贷、众筹融资为代表的互联网金融快速发展,与此同时也不断传出跑路、违规、叫停等负面信息,如何开展互联网金融监管引发社会各界的广泛关注。互联网金融是跨界资源的多元融合,衍生出多种经营业态和产品形态,不同业态与形态的风险点不尽相同,单一监管方式并不适合互联网金融。有鉴于此,基于对互联网金融业态及产品形态多样性的判断和认识,本文从分层监管的概念、特征出发,揭示互联网金融分层监管的必要性和可行性,并在总结互联网金融分层监管国际经验的基础上,提出构建互联网金融分层监管体系的若干建议。

In recent years,Internet payment,P2P lending network,the congregation to raise financing as the representative of the rapid development of Internet banking,at the same time also continues to spread,illegal,such as stop run away negative information,attention how to carry out the financial regulation of the Internet caused the social from all walks of life.Internet finance is the multiple integration of cross-border resources,which has diversified business formats and product forms.The risk patterns of different formats and forms are different.Single regulatory mode is not suitable for Internet finance.In view of this,based on the formats of Internet banking products and the morphological diversity of judgment and understanding,this article from the concept,the features of hierarchical supervision,the necessity and feasibility of financial supervision of the internet reveals the hierarchical,based on the summary of the Internet financial regulators stratified international experience,put forward some suggestions of constructing supervision system of Internet financial stratification.