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无规矩不方圆。随着互联网金融的高歌猛进,建立完善的监管体系显得日益迫切。一方面,不断发生的风险事件持续威胁着投资人的切身利益;另一方面,互联网金融自身业务发展也迫切需要规避合规风险,亟需监管明确身份、划定范围。2014年,互联网金融监管框架初步成型。监管部门初步形成第三方支付由央行监管、P2P网贷由银监会监管、众筹由证监会监管、互联网保险由保监会监管的基本监管布局。与此同时,监管原则也达成广泛共识。正如银监会普惠金融部副主任文海兴所言,鉴于发展初期的状况,应对突出的一些问题保持一定容忍度和弹性,在金融风险可控的前提下支持金融创新,促进互联网金融稳步发展。进入2015年,随着互联网金融持
No rules no square. With the triumph of Internet finance, it is increasingly urgent to establish a sound regulatory system. On the one hand, continual risk events continue to threaten the vital interests of investors. On the other hand, the development of Internet finance also urgently needs to evade compliance risks and urgently needs to regulate its own identity and scope. In 2014, the internet financial regulatory framework was initially shaped. Regulatory authorities initially formed a third-party payment supervision by the central bank, P2P network credit supervision by the CBRC, crowdfunding supervision by the Commission, Internet insurance supervision by the CIRC supervision of the basic regulatory layout. At the same time, regulatory principles have also reached broad consensus. As Wen Haixing, deputy director of China Banking Regulatory Commission’s Pratt & Whitney Financial Department, said in view of the initial stage of development, certain outstanding issues should be maintained with tolerance and flexibility to support financial innovation under the control of financial risks and promote the steady development of Internet finance. Enter 2015, with the internet finance holding