互联网金融与金融互联网的监管研究

互联网金融与金融互联网在代表产品、行业门槛、资金来源、授信依据等方面均存在差异，导致二者具有不同的风险。监管方面，对互联网金融的监管目前仍处于空白状态，对金融互联网的监管已覆盖一部分但仍存在局限性。因此对金融互联网监管不能与对互联网金融监管一概而论，应根据其风险不同制定不同的监管要求．对其应分类监管、区别对待。本文在互联网金融和金融互联网监管迫切性进行分析的基础上制定了对二者监管的不同要求，分别从监管主体、监管范围、监管手段、监管措施和奖惩机制来对二者的监管进行细致研究。

Study on Supervision of Internet Financing and Financial Internet

There are differences between internet financing and financial internet such as typical products, industry threshold, source of funds and credit grounds, which cause both have the risks of different size. Regulation of the Internet financing regulation is still in a blank state. Meanwhile although the financial supervision has covered part of the Internet, there are still limitations. So supervision on financial internet can not be as same as on internet financing. They, according to their different regulatory requirements and risks, should be treated differently. This article, on the basis of analysis of the necessity of supervising on internet financing and financial internet, makes a thorough study respectively from the regulatory agencies, regulatory scope, means of regulation, regulatory measures, and rewards and punishment mechanism.