| 英文摘要 |
Internet financial innovations in Jiangsu mainly manifest in three aspectsof business models, financial products and financial services. However,in the process of innovations, there are also ten kinds of risks whichresult from the anomie of supervision and the limitation of judicial regulation.In the post-normative era, Internet finance in Jiangsu may face a regulatorydilemma similar to the chaotic cycle of financial crisis governance.Therefore, a early-warning and moderate (range and strength) dynamicregulation system including activation, adjustment and correction mechanismsshould be constructed. And this system could smoothly transmit therisks information of Internet financial markets between private subjectsand supervisory authorities. Then, the latter is able to integrate the informationthrough big data technologies to describe unknown emerging Internetfinancial transaction frameworks and their risks to control. ForJiangsu province, it is necessary to formulate provincial rules for the protectionof Internet financial consumers, establish a local multi-resolution mechanism for Internet financial consumption disputes, a flexible supervisionsystem for Internet financial risks based on big data system, and aregulatory correction system for Internet financial risks in advance andafterwards as well. |
