In recent years， internet finance， represented by online payment， peer-to-peer lending （P2P）， and equity crowdfunding， has been rapidly developing across increasingly diversified business forms， driven by the advancements in Its such as big data， cloud computing， and mobile internet， and it has played an active role in reducing transaction costs， meeting diverse investment and financing needs and improving the efficiency，inclusiveness， and coverage offinancial services.Internet finance is still， in essence， a form of finance and is， thus， not immune from the invisibility， infectivity， abruptness， and strong negative externality of financial risks.However， due to its intemet attribute， such risks have a broader reach， higher diffusion rate， and stronger spillover effect. Currently， various issues and risks are building up in the area ofinternet finance as it rapidly develops： Some business forms deviate from the right direction of innovation； some institutions have a weak awareness of the risks；some lack compliance， consumer protection， anti-money laundering， and anti-terrorist financing systems； and some institutions even engage in illegal fundraising， financial fraud， and other criminal acts under the guise of financial innovation. In particular，some recent risk events have adversely affected the industry's reputation and drawn wide attention from Chinese society， resulting in a broad consensus for the need to regulate the development ofinternet finance.The CPC Central Committee and State Council attach great importance to internet finance development and risk prevention. In July 2015， the People's Bank of China，along with 10 ministries and commissions， promulgated the Guiding Opinions on Promoting the Sound Development of Internet Finance with the approval of the CPC Central Committee and State Council， establishing the overall requirements， principles，and duties for internet finance regulation.
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