法学院知识库

互联网借贷自国外传至我国后，便出现爆发式增长，同时也引发出一系列社会问题，探究其根源发现法律的滞后性与不完善是导致出现该方面问题的主要原因。实践中我国将不同类型的互联网贷款平台实行分业监管，加之我国对于互联网借贷平台监管的法律多为部门规章，法律位阶较低，监管主体职责多为原则性规定，并不具体，市场准入制度的门槛设置不高，互联网借贷平台又没有与大数据征信系统有效衔接，退出机制不健全等因素导致在互联网借贷方面的问题层出不穷。

随着大数据与互联网技术的发展，互联网与金融的融合将更加紧密。本文认为在混业金融背景下，分业监管模式已经不能适应当下经济的发展，由此提出制定法律位阶较高的专门性互联网借贷平台监管法律，构建含各种不同类型的互联网借贷平台于一体的监管模式，明确监管主体职责，实行混业监管，各部门之间加强信息沟通与共享，完善市场准入门槛，完善大数据征信体系建设，健全市场退出机制的建议，以此完善我国互联网借贷平台监管法律制度，促使互联网借贷行业健康向好发展。

After Internet lending spread to our country from abroad, there has been an explosive growth, but also caused a series of social problems. Exploring the root causes, we can discover that the hysteresis and faultiness of law is the main account which bring about this field of problems. In the practice of our country, different types of Internet lending platforms are supervised separately. In addition, the laws of internet loan platform supervision in China are mostly department rules, the legal rank is low, and the responsibilities of supervision subject are mostly principle provisions, so that is not specific. Other factors like the threshold of market access system is not high, internet platform lending is not fitted into the big data credit investigation system and the exit strategy is defective bring about the problems of internet lending are be counting without end. 

In the wake of the burgeon in the big record and internet technology, the reconcile of internet and banking will be more inseparable. This paper holds that under the backdrop of mixed finance, the separated regulation mode is unable to get used to the economic burgeon instantly. Hence, it is offered some suggestions such as to formulate a higher legal level specialized internet lending platform supervision law, build a supervision mode including different types of Internet lending platforms, clarify the responsibilities of supervision subject, implement mixed supervision, carry out information communication, sharing among various departments, to strengthen the market entry still, improve the big data credit investigation system, and perfect the market exit mechanism, for the reason to improve the regime of internet lending platform supervision law of our country, and precipitate the sound development of internet lending trade.