业务界定模糊的互联网金融平台风险及完善建议

Risks of Internet Financial Platforms with Fuzzy Business Defi nitions and Suggestions for Improvement

随着互联网技术与移动支付的发展,互联网金融平台的出现为经济活动带来便利。但目前,我国互联网金融体系尚未成熟,出现部分公司以其他业务注册成立,却直接或间接开展金融业务,由于注册时仅在工商局备案,并未在银保监会或证监会备案,平台所开展的金融业务不在相应监管部门的监管范围内。由于信息不对称,普通投资者难以从大量平台中识别出合法机构,因而蒙受损失。通过探究部分汽车服务公司的营销模式与融资模式,发现部分平台违规进行融资活动,销售保险产品。为共同建设健康良性的互联网金融行业,监管当局应完善相应制度,平台应加强自律性建设,人民群众应加强对金融知识的学习。

With the development of Internet technology and mobile payment,the emergence of Internet financial platforms has brought convenience to economic activities.But at present,China's Internet financial system is not yet mature,and some companies are registered with other businesses,but directly or indirectly carry out fi nancial business.Since the registration was only put on record in the Industrial and Commercial Bureau,and not with the China Banking and Insurance Regulatory Commission or the China Securities Regulatory Commission,the fi nancial business carried out by the platform is not within the supervision of the corresponding regulatory authorities.Due to information asymmetry,it is diffi cult for ordinary investors to identify legitimate institutions from a large number of platforms,and thus suffer losses.By exploring the marketing and fi nancing models of some auto service companies,it was found that some platforms violated regulations to conduct fi nancing activities and sell insurance products.In order to jointly build a healthy and benign Internet fi nancial industry,the regulatory authorities should improve the corresponding system,the platform should strengthen the self-discipline construction,and the people should strengthen the learning of fi nancial knowledge.