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行业法律法规缺位2015年7月,人民银行、工信部、公安部等十部门联合发布了《关于促进互联网金融健康发展的指导意见》(以下简称《指导意见》),鼓励和支持互联网金融健康规范发展,明确了互联网金融行业监管分工。但风险高发的P2P网络借贷、众筹融资等互联网金融业态的监管细则目前仍未出台。
Industry Lacks of Laws and Regulations In July 2015, ten departments including the People’s Bank of China, the Ministry of Industry and Information Technology and the Ministry of Public Security jointly issued the Guiding Opinions on Promoting the Healthy Development of Internet Finance (Guidance Opinion), and encouraged and supported the Internet Financial Health Standards Development, a clear Internet industry regulation and division of labor. However, there are still no regulations on the regulation of internet financial formats such as risky P2P lending and crowdfunding financing.