互联网金融监管的必要性与核心原则

近年来随着互联网的普及,网络技术潜移默化的改变着我们的生活方式,互联网金融就是关键的领域之一。我们国家现阶段,互联网金融主要有众筹融资、P2P网络借贷、互联网支付、保险产品销售等,不过这些不断涌现的互联网金融形式给现有的经济格局带来了不小的冲击。本文旨在分析如何才能保证互联网金融规范化,制度化,与现有经济格局保持一致,更好的服务于我们的生活,在这里我们对互联网金融监管的必要性与核心原则进行相关探讨。

In recent years,with the popularization of Internet,network technology is changing our life style.Internet finance is one of the key areas.At the present stage,Internet finance includes crowd financing,P2P lending,Internet payment and insurance product sales.However,these emerging forms of Internet finance have brought a great impact to the existing economic structure.The purpose of this paper is to analyze how to ensure the standardization and institutionalization of Internet finance,to keep consistent with the existing economic structure and to serve our life better.Here we discuss the necessity and core principles of Internet financial regulation.