Legal Risks in Internet Finance-paper代写

留学生paper代写精选范文：“Legal Risks in Internet Finance”，这篇论文讨论了互联网金融中的法律风险。如今，随着互联网技术的发展，互联网在生活中的应用也越来越广了，互联网金融就是其中一员。虽然互联网金融发展飞速，但也存在不少问题，互联网金融最需要解决的问题就是法律风险问题。要想解决这个问题，就必须创建完善互联网监督体系，修订相关的法律。

This article first provides an overview of Internet banking, then analyzes the existing main mode of China's Internet financial and legal risks, and finally according to the characteristics of the Internet financial and legal risks that may exist, put forward at this stage of our existing Countermeasures Internet finance.

With the rapid development of Internet technology, Internet banking has gradually come into fashion in the current society, Internet compared with conventional finance its financial model that has many of the advantages of low cost, collaborative, high participation, and easy to operate, thus becoming one of the fastest growing financial model. But behind the rapid development there are also many problems, its Internet banking there are a lot of legal risk, resulting in the development of the back there are also many risks at the face of these risks we need to make reasonable precautions to protect the Internet healthy growth. In this context, the article around the Internet as a financial center, four parts launched a detailed analysis to explore, is intended to provide some theoretical reference countermeasures existing Internet financial aspects of the surface night, the following is the specific content.

With the rapid development of Internet technology and networking technology in the financial sector, Internet companies riding the express train to the way Internet banking, and has achieved great development. Our country is the most populous country in the world, so the penetration of the Internet and the financial participation of all the world to shame. But the old saying nest thousands of miles of dike words, the collapse of large financial development of its fast Internet speed and volume, with verve embankment of a thousand miles, but the legal issues behind the collapse of a thousand miles embankment is a dangerous thing, for it a problem and needs to plan ahead, to face the current legal risks of Internet banking behind, take the necessary preventive measures are imminent.

Currently exist in China's major Internet financial module mainly third payment, the balance of treasure, P2P net loan, crowdfunding several forms. In which the third-party payment generally refers to non-financial institutions as an Internet intermediary payers and payees, it provides prepaid cards, online payment, and to determine the People's Bank of bank card acceptance and other payment services; its full name is the balance of treasure by Celestica Liberty Fund, a fund sales through the internet channel; P2P net loan refers to an individual relying on the internet for direct lending to individuals for the channel, at the earliest emergence of P2P net loan platform established in 2007 in Shanghai pat loans; crowdfunding refers to conduct capital raising project financing to the public via the Internet in the form of individuals or enterprises, according to returns in the form of crowdfunding can be divided into public planning commodities and equity crowdfunding two forms.

Payment risks on the financial model is mainly reflected in third-party breakthrough in the existing legal qualification and business scope, virtual account funds and there is a risk of precipitation in transit funds ; legal risks to the balance of treasure as the representative of Internet Fund is mainly reflected in three aspects, one is the IMF itself will there is a risk of the market, the other for the balance of its financial supervision treasure there are certain risks, the third is constantly updated network technology, the balance of treasure itself there are security vulnerabilities; legal risks on P2P net loan, mainly in law and policy, credit information sharing mechanisms, lack of credit system aspects; public raised platform there are legal risks, mainly reflected in two aspects, one is the illegal fund raising activities, the other for the change to draw deposits from the public.

First need regulatory targets for Internet banking, the regulatory body and the scope of supervision given clear. Integrated system for financial enterprises Internet business to sort out, and then work out the most efficient management methods, in order to achieve effective supervision. In order to avoid the risk of its trading virtual trading platform is gradually spreading to the real economy, appropriate regulatory authorities need to do the work for exchange and communication, and regular and irregular on the development of Internet banking for testing. Internet set up the financial industry self-regulatory organization, and then develop practical regulations, which strengthen the degree of information disclosure of financial transactions, and thus better for the legitimate rights and interests of the self-regulatory organization into maintenance, but also to maintain the order of competition of Internet financial markets. Creating the perfect exit line financial markets, access to the system, and establish a reasonable Internet early warning mechanism and risk monitoring mechanism, but also need to develop a practical plan for emergency treatment.

Needs to make a clear provision in the law for the Internet financial risks that may arise. Given by legislation in the form of Internet banking for legal status, the nature and form clear, and for its business model, access conditions, supervision and risk control are worked out clear rules on the legal aspects, especially in the public and raise financing credit and other financial needs of Internet network fully incorporated into the scope of the regulation.

For this stage of the financial terms of the Internet, providers and consumers due to its own information asymmetry exists, resulting in a serious consumers in a weak position, and then Internet banking the legitimate rights and interests of users are vulnerable to financial institutions against, so the relevant authorities need to develop a clear protection Act, to enhance the transparency of the Internet information agencies, particularly the financial institutions will need Internet specific pattern of shared responsibility in the transaction clear provisions out.

In summary, Internet banking is in Internet technology and logistics network technology rapid development background, the birth of the product, its development is very fast, but compared with the traditional finance its many advantages, but in the back in the presence of with many legal risks. The main stage there is a third mode of internet banking payments, the balance of treasure, P2P net loan, several models such as crowdfunding, legal risks are mainly business scope as well as the qualification of a breakthrough to the existing law, Internet Fund there is a legal risk, P2P net loan there are legal risks, crowdfunding platform there are several legal risks. According to the Internet financial characteristics and legal risks that may exist, create the perfect Internet financial regulatory system, revise and improve the Internet's financial regulations, the legal system, strengthen the protection of rights and interests of Internet banking users measure is effective Internet banking laws preventive measures of risk, should be fully rational use of the relevant departments.

51due留学教育原创版权郑重声明：原创留学生作业代写范文源自编辑创作，未经官方许可，网站谢绝转载。对于侵权行为，未经同意的情况下，51Due有权追究法律责任。主要业务assignment代写、essay代写、paper代写服务。

51due为留学生提供最好的论文代写服务，亲们可以进入主页了解和获取更多,paper代写范文 提供美国作业代写服务，详情可以咨询我们的客服QQ:800020041。-ZR