On the dilemma and solution of Internet financial supervision

The integration of the Internet and the financial industry has brought the traditional financial industry into the new era of Internet finance. The de-intermediation of Internet technology has not changed the nature of the financial industry. In the way of supervision of Internet finance, the traditional prudential supervision principle and separate supervision model of the financial industry are still applied. However, the traditional supervision mode ignores the mixed operation characteristics of Internet finance, causing the derailment of separate supervision and mixed operation in China's Internet financial supervision at present, which leads to the aggravation of financial risks. In order to effectively promote the healthy development of the Internet finance industry, we should change the supervision notion of Internet finance and realize the transition from separate supervision to unified supervision under the concept of modest regulation. Keywordsinternet finance; supervision; separate supervision;