分业监管体制下互联网金融风险的研究

Research on Internet Financial Risk under Separate Supervision System

当今时代,互联网信息技术迅猛发展,给人们的生产生活带来翻天覆地的变化。而互联网与传统金融机构的结合,产生了一种新的业态,即互联网金融。互联网金融的出现,改变了传统银行机构所遵循的二八定律,使得普惠金融成为可能。互联网金融消费者信息被盗、P2P跑路、个人理财诈骗等事件凸显了互联网金融领域存在的风险。而目前中国实行分业监管体制,由于互联网金融业态的边界模糊性与交叉性,使得该领域存在着监管重复、监管套利和监管真空的状态。为此,就分业监管体制下互联网金融风险进行研究。

Nowadays,with the rapid development of Internet information technology,people’s production and life have been greatly changed.And the combination of Internet and traditional financial institutions has produced a new format:Internet finance.The advent of Internet finance has changed the 28th law that the traditional banking institutions follow,and made the inclusive finance possible. Internet financial consumer information theft,P2P running away,personal financial fraud and other events highlight the risks in Internet financial field.At present,China is implementing a separate supervision system.Because of the vagueness and cross-ness of the boundary of Internet financial format,there is a state of regulatory duplication,regulatory arbitrage and regulatory vacuum in this field.For this reason,this paper studies the Internet financial risks under the system of separate supervision.