User funds, information security and national financial security are the reasons for central bank supervision
Why is the central bank strictly supervising Internet finance? This is to protect user funds, maintain user information security and prevent financial risks. Looking at the overall system, it is beneficial to the country’s financial security. The reasons are as follows:
1, user funds and information security is the primary reason
There are technical flaws in the two-dimensional code, including how to generate the two-dimensional code, how to prevent risks and other technical protection issues, have not been resolved. The application of two-dimensional codes to the field of payment related technologies and terminals is unclear, and the security of relevant payment and verification methods remains doubtful, and there is a certain risk of payment risks.
Virtual credit card breaks through the existing credit card business model, and needs further research in implementing customer identification obligations and ensuring customer information security. The virtual credit card missed the formalities of reviewing this procedure. The possible consequence is that lawbreakers use other people's identity information to apply for a virtual credit card, and there is a large-scale fraudulent brushing, which results in the loss of property of others. It can be imagined that if identity theft occurs in large areas, it will inevitably lead to the proliferation of virtual credits and virtual currencies.
2. Liquidity management of macro funds is the focus of national financial security
Since the central bank holds the lifeblood of international funds, it naturally needs to have a precise grasp of the flow of funds. Traditional cash transactions, offline card transactions, etc., through the supervision of corporate funds, the supervision of banks and the supervision of UnionPay's inter-bank flow of funds are all under the central bank's real-time monitoring. Although the third-party payment has a custodian bank to supervise the funds, the central bank can only master the total amount of third-party payment through the custodian bank, and cannot grasp the specific flow and data of the funds. Moreover, due to the separation of business supervision, the trend of such large-scale funds has to be alarmed. In the international situation where the renminbi is fluctuating dramatically, the liquidity management of funds is the top priority of the central bank and is also the focus of national financial security.
Internet finance encounters "Waterloo". The reason is that it is difficult to achieve speed.
The government’s two conferences have expressed their support for the development of Internet finance, which is an encouragement for innovation; the central bank’s urgent suspension of payment of virtual credit cards and QR codes is a prudent decision. Difficulties are difficult to achieve. Internet finance still needs a healthy development process. Internet finance needs to be developed on the basis of safeguarding user funds, information security and national finance. What is the road for the healthy development of internet finance?
The government's construction of a four-wheel drive and one-nuclear monitoring system is the first element of the development of internet finance.
To realize internet finance that encourages innovation, guards against risks, seeks profits and avoids harms, and develops healthily, we must first set up a regulatory system that takes internet finance supervision as the core and adopts moderate supervision, classified supervision, coordinated supervision, and innovative supervision as its core.
1, moderate supervision is the direction
It is necessary to focus on solving the three shortages of “threshold shortages, lack of rules, and lack of supervision†and leave room for innovation and development. From a technical point of view, at least Internet ICP access permission is required.
2. Classified supervision is the method
That is, according to different formats, they are separately supervised by different departments, mainly according to the principle of professional supervision to determine who will supervise. Different professional regulatory agencies issue licenses for different financial services to meet specific guidelines and requirements for engaging in different businesses.
3, innovation supervision is the main body
Based on the innovative nature of the Internet, the supervision methods for Internet finance should also adopt innovative supervision methods. In terms of overall considerations, some dynamic adjustments should be made to traditional supervision methods, and in particular the role of self-regulatory organizations should be brought into play.
4. Collaborative supervision is a dual purpose
The cross-market and cross-industry characteristics of Internet finance are very prominent. Therefore, there is a need for coordinated supervision, and in particular, the role of the financial supervision coordination mechanism should be brought into play.
Constructing an ecosystem based on Internet financial transaction subject, object and environment is the key to the development of internet finance
To ensure the healthy development of Internet finance, it is necessary to ensure the security of user funds and information. This requires the establishment of an ecosystem based on Internet financial transaction subjects, objects, and the environment. To build a successful eco-system based on Internet financial transaction subjects, objects and environment, the key is to successfully solve user identification and transaction security protection issues.
According to the survey, 75% of non-bank users are unwilling to try because of concerns about security; the “2013 China Mobile Banking User Survey Report†recently released by CFCA shows that the proportion of mobile phone users with doubt about security is as high as 61.23%. Trojan horses and mobile phones have lost their accounts due to the loss of mobile phone viruses, and they have found it difficult to find responsible parties after the accident. This has caused public concern about the safety of mobile Internet and has greatly hindered the development of Internet finance.
It is clear that the common conditions for the integration of internet finance and the real economy are the development direction of internet finance.
Internet finance must integrate with the real economy in order to benefit the people and achieve inclusive finance. What is the need for the integration of Internet finance with the real economy? Data+funding+platform!
Among them, relying on the Internet to obtain and integrate data, provide support for the construction of a credit evaluation system and the development of financial services; capital is the core capital for the development of financial services; non-bank financial institutions have a lower leverage, and banks have greater leverage; It is a window that directly provides customers with services such as finance, payment, and e-commerce. On the other hand, it is a back-end system that processes data and other information. Therefore, data, funds, and platforms are the common conditions for the integration of Internet finance and the real economy.
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