“在国务院领导下,制定和执行货币政策,防范和化解金融风险,维护金融稳定”是《中华人民共和国中国人民银行法》赋予央行的职责。2015年的7、8月间中国政府和司法机构针对互联网金融&民间金融密集出台了一系列政策法规。从7月18日央行联合十部委发布《关于促进互联网金融健康发展的指导意见》(简称《指导意见》)以来,7月25日中国保监会发布《互联网保险业务监管暂行办法》,7月31日央行公布《非银行 Under the leadership of the State Council, formulating and implementing monetary policies to prevent and resolve financial risks and safeguard financial stability “is the responsibility assigned to the central bank by the People’s Bank of China Law. In July and August 2015, the Chinese government and judicial authorities issued a series of policies and regulations on the Internet finance & folk finance. From July 18, the central bank and the 10 ministries and commissions jointly issued ”Guiding Opinions on Promoting the Healthy Development of Internet Finance“ (the ”Guiding Opinion“) since July 25, CIRC promulgated the Interim Measures for the Supervision of Internet Insurance Business, July 31 Central Bank announced ”non-bank