宜信公司发展中的监管问题与对策摘要近年来,互联网金融作为新兴的金融模式,互联网金融在当今社会的发展中是十分重要的,是符合人们的需求的,因此它的发展之路也不会停止的。不过目前在互联网金融企业发展中所出现的各种问题或多或少阻碍了互联网金融的发展,由于是在互联网监管上所展现出来的问题更是严峻,急需解决。本文就以宜信公司为例,从对互联网金融认识的基础上,对互联网金融企业现状作出科学分析,在分析了互联网金融企业监管上的不足之处中利用国家政策手段与互联网金融企业自身发展的特点,进而来探究出互联网金融企业在监管上与之相适应的措施与方法,以期能够用正确、有效的措施来促进互联网金融企业的进一步发展。关键词:互联网金融;宜信公司;监管问题;解决措施AbstractInrecentyears,Internetfinance,asanemergingfinancialmodel,isveryimportantinthedevelopmentoftoday'ssocietyandmeetspeople'sneeds.Therefore,itsdevelopmentwillnotstop.However,atpresent,variousproblemsinthedevelopmentofInternetfinanceenterpriseshavemoreorlesshinderedthedevelopmentofInternetfinance,andtheproblemspresentedin1theInternetsupervisionaremoreseriousandneedtobesolved.Inthispaper,thecompanywithanappropriateletter,forexample,fromtheInternet,onthebasisoffinancialknowledge,madeascientificanalysisaboutthepresentsituationoftheInternetfinancialenterprises,theanalysisoftheInternetfinancialenterpriseregulatorydeficienciesintheuseofnationalpolicyandthecharacteristicsoftheInternetfinancialenterpriseowndevelopment,andtoexploretheInternetfinancialenterprisesontheregulationofthecorrespondingmeasuresandmethods,inordertobeabletousethecorrectandeffectivemeasurestopromotethefurtherdevelopmentoftheInternetfinancialenterprises.Keywords:Internetfinance;Creditease;Regulatoryissues;Themeasures目录前言........................................................................1一、宜信公司概述............................................................1(一)宜信公司简介.........................................................1(二)宜信公司发展现状.....................................................1二、宜信公司发展中的监管问题................................................1(一)监管配套不完善.......................................................1(二)参与者权益保护不当...................................................2(三)监管不够,监控风险大.................................................2(四)监管途径不够灵活.....................................................3三、宜信公司发展中监管问题的解决措施........................................3(一)建立健全的相关法律法规...............................................31.完善现行的金融法律法规.................................................32.建立互联网金融的基础性法律法规.........................................323.法律法规应该全面化.....................................................4(二)吸收传统金融优势,发展互联网金融不足.................................4(三)完善互联网金融的信用体系.............................................41.提高网络安全标准.......................................................42.努力提升自我研发力度...................................................43.网络认证要可靠.........................................................54.评价标准要统一.........................................................5(四)完善互联网金融的监管制度.............................................5(五)科学互联网金融的监管渠道.............................................51.监管以法律为基础.................