目前,我国经济增速逐步减缓,结构性矛盾凸显,发展进入新常态。2015年,习近平总书记指明,目前我国经济发展重在供给端的改革。其中,互联网金融的持续健康发展对供给侧方面的改革意义重大。与此同时,互联网金融的监管也受到了其日益凸显的风险问题的不断挑战,只有兼具包容性和有效性的监管才能促进互联网金融行业健康稳步发展。 At present, the economic growth of our country is gradually slowing down, the structural contradictions are prominent and the development has entered a new normal. In 2015, General Secretary Xi Jinping pointed out that at present China’s economic development focuses on supply-side reform. Among them, the sustained and healthy development of internet finance is of great significance to the reform on the supply side. At the same time, the regulation of Internet finance has also been challenged by its increasingly prominent risk issues. Only inclusive and effective regulation can promote the healthy and steady development of the Internet finance industry.