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互联网融资可以理解为借助融资服务中介平台的融资,融资服务中介机构发挥重要功能,但是互联网融资服务中介机构的法律制度一直很缺乏,对融资服务中介机构的市场定位、法律定性、市场准入、业务范围、行为边界、权利义务、责任风险、安全港等等缺乏规则。美国《JOBS法案》和《众筹规则》确立的融资服务中介机构“集资门户”以及相关制度,可以被我国借鉴和吸收,从而创新性地构建我国互联网融资服务中介机构的法律制度,包括确立融资服务中介机构的统分结合监管、中介基础加特许业务、信息服务中介边界、公众集资门户、信息保留和安全保护、融资服务平台的安全港规则等制度。
Internet financing can be understood as financing through intermediary service platform, and financing intermediary agencies play an important role. However, the legal system of Internet financing intermediary services has been lacking. The market orientation, legal characterization, market access, Business scope, behavioral boundaries, rights and obligations, liability risk, safe harbor, etc. lack of rules. The financing service intermediary institution, “financing portal” established by the “JOBS Act” and the “crowdfunding rules” and related systems can be borrowed and absorbed by our country so as to creatively establish the legal system of China’s Internet financing service intermediaries, including The establishment of a unified system of financial services intermediary regulatory supervision, intermediary and franchise business, information service intermediary boundaries, public funding portal, information retention and security, safe harbor financing rules and other rules.