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由于我国互联网金融起步较晚,并未健全相关的法律体系与监管模式。因此在前期快速发展的过程中产生了一定的金融风险性。为了促进网络金融行业健康发展,本文分析了我国互联网金融的发展现状,从中总结了互联网金融的运行特征,并以此为依据提出互联网金融监管的重要性。同时在监管过程中,应当遵循法律性、适度性、分类性的三重原则,进而优化宏观监管体系,实施微观监管机制,加强互联网金融抗风险能力,完善我国互联网金融的监管方式。
Due to the late start of Internet finance in our country, the related legal system and supervision mode are not perfect. Therefore, the rapid development in the early stage of a certain degree of financial risk. In order to promote the healthy development of internet finance industry, this paper analyzes the status quo of Internet finance in our country, and summarizes the operation characteristics of internet finance. Based on this, it puts forward the importance of Internet financial regulation. At the same time, in the process of supervision, we should follow the triple principle of legality, moderation and classification so as to optimize the macro-regulatory system, implement the micro-regulatory mechanism, strengthen the anti-risk ability of Internet finance and improve the regulation of Internet finance in China.