互聯網金融與現行監管規則

Internet Finance and Existing Regulatory Rules

互聯網金融是一個相對獨立於傳統金融的業態，其作為創新事物，難免對現行金融監管規則形成沖擊和挑戰。如果一味要求互聯網金融適應既有規則，則互聯網金融的發展很難持續。由於技術往往領先於監管，互聯網金融的快速發展，襯托了某些金融監管規則的滯後與疏漏，應及時反思、調整不合時宜的既有規則，建立以保護金融消費者為中心的互聯網金融監管體系。

Internet Finance is relatively independent from the traditional financial industry. As an innovative thing, it inevitably challenges the present financial regulation. If we require Internet finance to adapt to existing rules, it is difficult for the development of the Internet finance to continue. The technique is often ahead of supervision, and the rapid development of the Internet finance reflects the lags and omissions of some financial regulation, which should be timely modified. Protecting financial consumers should be established as the center of the supervision system for Internet finance.