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自2007年首家网络借贷平台成立以来,经历十年的发展,特别是近几年的爆发性增长,我国互联网金融行业的体量与水平都达到了一个空前的规模。互联网金融在创造一个新的经济增长点的同时,也通过借贷服务促进了实体经济的进一步发展,产生了良好的社会效益。但另一方面由于缺乏有效的监管,互联网金融也带来了扰乱原有金融秩序,违法借贷较多等问题。文章分析了我国互联网金融发展现状,对比考察了国内外互联网金融的管理监察制度,对健全互联网金融监管体系,促进互联网金融进一步发展提出了几点建议。
Since the establishment of the first online lending platform in 2007, after ten years of development, especially the explosive growth in recent years, the scale and level of the Internet finance industry in our country have reached an unprecedented scale. While creating a new point of economic growth, Internet finance also promoted the further development of the real economy through lending services, resulting in good social benefits. On the other hand, due to the lack of effective supervision, Internet finance has also brought disruption to the original financial order and more illegal loans. This article analyzes the status quo of internet finance in our country, contrasts the domestic and international internet finance management and supervision systems, and puts forward some suggestions on how to improve the internet financial supervision system and promote the further development of internet finance.