Empirical Research on the Effectiveness of Fintech Regulation
The rise of Internet finance has also gathered a lot of risks.How to supervise and how to supervise without restraining financial innovation is a common problem faced by supervisors in various countries.Based on a question-naire survey on the Internet finance industry in China and the United States,this paper uses the four-dimensional fi-nancial regulatory framework theory to compare the similarities and differences in Internet financial supervision be-tween China and the United States,and draws the following conclusion:the regulated institutions of the two countries agree that the independence of supervision is about supervision.The level of governance has a positive effect;the re-sponsibility of supervision promotes the improvement of the level of supervisory governance;the transparency of su-pervision promotes the improvement of the level of supervisory governance;the transparency of China's Internet fi-nancial supervision has an inhibitory effect on the improvement of the level of supervisory governance,while the U.S.Internet financial supervision The level of regulatory governance has a positive impact.
Internet financefinancial riskfinancial supervisioneffectiveness
万方数据
维普
