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英国essay代写:Standardize and develop Internet finance

2018-07-10 | 来源:51due教员组 | 类别:Essay代写范文

本篇essay代写- Standardize and develop Internet finance讨论了互联网金融该如何规范的发展。互联网金融是金融业与互联网业的结合,是传统金融行业使用互联网技术手段的全新发展模式。互联网金融产品给人们带来便利的同时,也伴随着风险与犯罪。不法分子通过互联网进行非法集资、金融诈骗与信息盗窃,对社会大众的财产安全造成了巨大危害。对此,监管部门应当时刻做好防范,从犯罪源头的设立与日常监管、立案后的调查程序与审判,到风险发生后的舆情控制与大众知识的普及。本篇essay代写51due代写平台整理,供大家从参考阅读。

Internet finance,互联网金融,essay代写,代写,paper代写

Internet finance is the combination of the financial industry and the Internet industry, and a new development model of the traditional financial industry using Internet technology. Since xie ping explicitly proposed the concept of "Internet finance" in 2012, there have been many disputes in the industry and academia about the cognition and understanding of Internet finance. One of the most representative views is that Internet finance is a new financing mode using modern information and network technology. Second, it believes that Internet finance is the innovation of sales and acquisition channels of financial products. Is the same, both views are that Internet financial exchange and its essence has not changed value credit exchange of a financial nature, but even so, the means and channel of trading changes will trigger a new risk and uncertainty.

Different from traditional offline, the Internet is easier to spread, covers a wider population, and has a stronger concealment. These characteristics provide a hotbed for the growth of Internet financial crimes.

Illegal fund-raising means that a company, enterprise, individual or other organization raises funds from the public or collective without approval. There are usually two types - the illegal absorption of public deposits and the unauthorized issuance of stock bonds. Such crimes usually attract public investment with "high interest rate on capital preservation" and "fixed monthly return point", which are usually large. What's more, the ponzi scheme is fake through private funds, which leads to pyramid financing and network transmission. However, once the pyramid selling structure breaks down, criminals immediately withdraw funds and escape. The previous incidents of "e rent treasure" and "pan Asia" belong to the category of illegal fund-raising.

Crimes under the guise of Internet platform to build investment transactions, for traders to defraud the public into personal property, or directly through computer vulnerability, Trojan virus, technique such as phishing site, against public computers or mobile phones, to steal personal important information of the masses. Due to the development of the Internet communication, public social habits also gradually into line, for crimes forged identity provides a convenient, easy to implement fraud, at the same time due to the popularity of third-party payment, personal computers and mobile phones are usually with bank account information, once the computers and mobile phones was attacked, personal property safety is at risk.

Criminals usually have both financial and Internet knowledge, as well as strong anti-reconnaissance capability, and can quickly hide and destroy evidence.

The crime cost is low, the concealment is strong, but the profit is high, the harm crowd is wide. The characteristics of Internet channels are low cost, high concealment ability and strong coverage ability. Compared to the offline financial crime, financial crime from the Internet appear, spread, to the victim participate in operation at low cost, but relatively cheap cost of crime, crime activities through the Internet across regions, much of the number of crimes, income is very high.

The establishment of Internet financial enterprises is the beginning of regulating Internet finance. Although the establishment of finance company of the Internet of our country has certain requirements, but in the concrete implementation process, because of regulatory costs and regulatory considerations, and there is no specific regulation to match, even if many crimes at a relatively low crime cost, establish illegal fund raising and enterprise financial fraud. In this regard, the regulatory authorities should first sort out the regulatory procedures and control the founders and funds of enterprises when they are established. First of all, the basic access standards should be adopted for the legal persons, shareholders, directors, supervisors and management of the established enterprises, and the personal credit investigation should be considered. Second response to different types of Internet financial enterprises, standardize registration amount and account fund holdings, limiting excessive use of bridge when registering capital, and to control the trading of fund class shell companies.

The daily supervision of Internet enterprises, in addition to the governmental supervision departments, should combine the daily supervision capabilities of enterprises, the public and the Banks to achieve all-round supervision. In terms of enterprise itself, information disclosure is the basic measure, on a regular basis and should be encouraged to Internet financial enterprise internal staff supervision and reveal the place of irregularities, report and eliminate personal barriers, serious report dealing with personal matters. Likewise, public reports should be taken seriously, and the joint and several responsibilities of the supervisory authorities should be clarified so as to avoid excessive corruption. Again, to have mass fundraising behavior of Internet financial firms, bank as the opening of capital account, the management, also should monitor account, after the unusual shall inform regulators.

Internet financial crime because of its strong professional, high intelligent degree, strong concealment and other characteristics, make the financial crimes under the jurisdiction of Internet, forensics, oral evidence, and many other conditions caused difficulties. First of all, the determination of jurisdiction. As Internet financial crimes are usually interregional crimes, there should be judicial institutions in major criminal areas to jointly handle cases and deal with cases separately. Secondly for case, due to many Internet financial crime mainly for online operations, more evidence for electronic digital evidence, evidence should follow the full responsibility of comprehensive, standardized, and invite professional talents to help forensics. Internet words evidence in the financial crime, because of its rhetoric cheat consumers often for verbal suggestion, or plan to build the Internet identity manner, so words forensics difficulties, this shall be carried out in a key from the criminal gangs internal investigation, and make full use of modern means of science and technology in the investigation.

Internet finance has a strong externality, that is, when one party's crisis erupts, it may link multiple chain reactions, while public opinion is the catalyst for chain reactions. This makes the control and guidance of public opinion after the emergence of a single Internet financial crisis an important means to prevent the spread of Internet financial crisis. In addition to being influenced by individuals, Internet financial public opinion is also influenced by external factors such as media and government response, which have a great influence on the former. So the control of public opinion, should be from the point of view of media opinion leaders began to control speech, at the same time, the government departments shall establish crisis public relations department, develop more effective response, and pay attention to interpret their own measures to avoid misjudgment of the situation of the masses.

With the rapid development of Internet finance and new channels and modes, it is difficult to define and define crimes. P2P and the raise is born, for example, in our country, the ministry of public security of the supreme people's procuratorate on the regulation of economic crimes prosecution criterion "and" the some explanation, "qualitative of illegal fund-raising for accumulative total more than 200 people, the amount in more than five hundred thousand constitute a crime. P2P and the chips can be within the category, can also because of its mark or illegal foreign precedent is not the reason for the financing, due to its in the position of the ambiguity in the laws and regulations, so have been regulators suspended in the initial period of development, but in the next few years, is more of a laissez-faire, regulation is in a passive position, cause many non-standard enterprises to endanger the safety of public property.

In the early stage of Internet finance, it is bound to be accompanied by the birth of various financial innovations, among which there are inevitably financial crimes covered by financial innovation. Either innovation or crime, usually born in the twilight of the law, thrives or grows savagely. Indeed, the rapid development has caused the lag of laws, regulations and supervision, which leads to the difficulty in defining and defining crimes when crimes occur. When faced with difficulties and difficulties, only the working efficiency of the regulatory and legislative departments can match the development speed of the market, so as to better safeguard the public interest and assume the supervisory responsibilities.

The Internet has brought new development to finance, and the innovation of Internet financial products has brought convenience to the public life, but with the emergence of new risks and crimes. The criminals' illegal fund-raising, financial fraud and information theft through the Internet have caused great harm to the property security of the public. Moment, regulators should be prepared, from the establishment of crime source and daily regulation, initiated after the investigation procedure and trial, the risk of public opinion control and public knowledge popularization, at the same time should be accelerated in a timely manner of form a complete set of relevant laws and regulations fall to the ground, a full range of ready to risk control and crime prevention, promote the healthy development of the Internet financial.

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