Internet financial supervision needs to adhere to the supervision of major Internet financial formats such as Internet payment, online lending, equity crowdfunding, Internet fund sales, Internet insurance, Internet trust and Internet consumer finance.

The Party Central Committee and the State Council attach great importance to the healthy development of the Internet financial industry and have put forward clear requirements for the introduction of policies and measures to support development and improve supervision.

To encourage the innovation and development of Internet finance, create a good policy environment, standardize the business activities of practitioners, and maintain market order, we should take necessary policy measures to respond to the concerns of society and the industry, and conduct in-depth research on the new market environment and consumption

Under the conditions of demand, how to coordinate the development of inclusive finance, encourage financial innovation and improve financial supervision to guide and promote the healthy development of Internet finance as an emerging industry.

To this end, the People's Bank of China, in accordance with the deployment of the Party Central Committee and the State Council, and in accordance with the overall requirements of "encouraging innovation, preventing risks, pursuing advantages and avoiding disadvantages, and developing healthily", worked with relevant departments to formulate the "Guiding Opinions on Promoting the Healthy Development of Internet Finance".

Expanded information Legalization of Internet financial supervision 1. Use the administrative discretion of regulatory agencies in accordance with the law.

Based on the purpose of preventing financial risks, protecting financial consumers, maintaining financial stability and other social public interests, regulatory agencies should innovate regulatory methods within the scope of discretion granted by the law.

2. Effectively use the powers of judicial organs.

As an effective method of supervision, litigation should give full play to the authority and initiative of the judicial department before new legislation is born, discover rules in the trial of specific cases, and apply current legal rules to judicial trials through judicial interpretation.

among.

3. Realize soft law governance of Internet finance as soon as possible.

Generally speaking, legal norms formulated or recognized by the state and enforced by the state's coercive force can be called "hard laws."

"Soft law" is relative to hard law with this characteristic, and refers to those legal norms that may not have a complete structure and can produce normative effects without relying on state compulsory guarantees for implementation.