“三农”互联网金融协同监管之必要性及实现路径

The Necessity and Realization Path of Coordinated Supervision in “Agriculture,Countryside and Farmers” Internet Finance

互联网金融以其跨地域性、跨市场性、跨业务性为农村、农业、农民提供大量低成本、便捷的金融服务,但其混业经营模式与分业监管不相适应。因此,必须发展多部门联合制定金融监管政策、共享信息、联动执法的协同监管模式,从而强化监管综合性以创造良好经营环境、监管穿透性实现金融风险治理、监管功能性解决监管"空白"及重叠,促进互联网金融更好地服务乡村振兴战略。

Internet finance provides a large number of low-cost and convenient financial services for rural areas, agriculture and farmers because of its cross-regional, cross-market and cross-business nature, but its mixed business management model is not suitable for sub-industry supervision.Therefore, it is necessary to develop a coordinated regulatory model for joint development of financial regulatory policies, sharing of information, and joint enforcement of laws and regulations by multiple sectors, so as to strengthen the comprehensive nature of regulation to create a sound business environment, achieve transparent governance of financial risks, and address regulatory gaps and overlaps. Promote Internet finance to better serve rural revitalization strategy.