互联网金融与现行监管规则

互联网金融是一个相对独立于传统金融的业态,其作为创新事物,难免对现行金融监管规则形成冲击和挑战。如果一味要求互联网金融适应既有规则,则互联网金融的发展很难持续。由于技术往往领先于监管,互联网金融的快速发展,衬托了某些金融监管规则的滞后与疏漏,应及时反思、调整不合时宜的既有规则,建立以保护金融消费者为中心的互联网金融监管体系。

Internet Finance and Existing Regulatory Rules

Internet Finance is relatively independent from the traditional financial industry. As an innovative thing, it inevitably challenges the present financial regulation. If we require Internet finance to adapt to existing rules, it is difficult for the development of the Internet finance to continue. The technique is often ahead of supervision, and the rapid development of the Internet finance reflects the lags and omissions of some financial regulation, which should be timely modified. Protecting financial consumers should be established as the center of the supervision system for Internet finance.