如果說2013年是一個互聯網金融發展的元年,可以說2014年是互聯網金融監管的元年。2014年1月10日人大法學院舉辦了一個對國辦107號文(對影子銀行監管的文件)解讀的研討會。107號文是一種對互聯網金融要進行監管的信號。從監管的思路來看,無非是金融危機以後包括美國金融危機之後各國金融監管的法制,只強調對機構監管體制是不行的,所以需要一個功能監管,需要一種行為監管,需要一種規範監管。 If 2013 is a year of Internet finance development, it can be said that 2014 is the first year of Internet financial regulation. On January 10, 2014, the Law School of the People’s University held a seminar on the interpretation of the State Council Office No. 107 (document on the supervision of shadow banking). Circular 107 is a signal to regulate internet finance. From the perspective of regulation, it is nothing but the legal system of financial supervision of all countries after the financial crisis, including the financial crisis in the United States. It only needs to emphasize that it does not work for the institutional supervision system. Therefore, it requires a functional supervision, a regulatory behavior, and a regulatory regulation.