On the other hand, based on serving the development of small and medium-sized enterprises in the capital, we will give full play to the overall synergy and synergy of the special committees, promote the formation of various advantages of mutual financial enterprises, build an all-round inclusive platform, improve the quantity, quality and efficiency of investment and financing, control industry risks, provide various financial products and services, and support the healthy and rapid development of small and medium-sized enterprises. China Internet Finance Association was established by the People's Bank of China in conjunction with the China Banking Regulatory Commission, the China Securities Regulatory Commission, the China Insurance Regulatory Commission, the Ministry of Industry and Information Technology, the Ministry of Public Security and the State Administration for Industry and Commerce in accordance with the requirements of the Guiding Opinions on Promoting the Healthy Development of Internet Finance (Yinfa [2015] No.221). The establishment of the Association has been highly valued by the CPC Central Committee and the State Council, and it is the first national trade association to undertake special functions after the decoupling reform of trade associations in China. The Association accepts the business guidance, supervision and management of the Ministry of Civil Affairs, the competent business units of the People's Bank of China and relevant government departments. The association aims to standardize the market behavior of employees, protect the legitimate rights and interests of the industry, promote employees to better serve social and economic development and guide the healthy operation of the industry through self-discipline management and membership service.
1. Internet finance includes the supervision of Internet security and the supervision of legal compliance of financial activities. The recently reported "empty-handed and white-wolf" behavior of using credit card overdraft and short-term investment to make money from banks may lead to frequent interbank lending, high short-term interest rates and chaotic financial market order; From a macro perspective, it may lead to the creation of a large number of virtual currencies and the shortage of liquidity in the real economy, which will put monetary policy in a dilemma. Therefore, the supervision mechanism of Internet finance should be highly integrated, and the corresponding supervision departments should formulate new rules, procedures and joint supervision mechanisms to form an institutionalized, procedural, networked and information-based supervision of Internet finance, a high-risk cross-field.
2. The members of the Association include banks, securities, insurance, funds, futures, trusts, asset management, consumer finance, credit service, Internet payment, investment, wealth management, lending and other institutions, as well as some institutions that undertake the functions of financial infrastructure and financial research and education, basically covering the mainstream and emerging formats of Internet finance.