Abstract
Internet Finance is changing the traditional financial industry. Internet financial
innovation brings new financial risks which are different from the traditional finance.
In-depth study of the Internet financial crime’s causes, characteristics and prevention
measures, is beneficial to improve development of Internet Finance. The purpose of
this paper is to provide a theoretical basis for the prevention and control of Internet
financial crime and to provide a complete set of policy recommendations.This paper
use comparative research methods to clarify internet finance characteristics and by
compare Internet banking with traditional banking, compare China's internet banking
and other foreign countries internet banking. This paper use game theory to analyze
the game among the government supervision departments, internet banking platform,
consumers and reveals the necessity of the crime prevention. This paper found that
internet financial crime is becoming more intelligence and younger, and the crime
cost is low, risk is small, while the harm is huge. China's Internet financial crime
prevention still exist problems like domestic laws and regulations covering is not
enough, supervision system of ownership is difficult to define, and so on. In addition,
through the game model between regulators and the Internet financial game model
and the Internet platform and the platform of consumers, grasp in the prevention of
Internet financial crime on the interests of the relationship between regulatory
authorities, Internet financial platform and consumers from the dynamic, theoretically
that the relevant government departments should intensify supervision of Internet
Financial platform the supervision or punishment, can promote the Internet platform
self-discipline, reducing the social public interest loss, Internet financial platform to
increase consumer review or punishment, can serve to protect the interests of Internet
platform, the effect of reducing crime. This paper use game model to analysis the
game among government, Internet Finance institutions and customer, and finds
government and Internet Finance institutions should do more to review and punish
crime to reduce crime. What’s more, this paper put forward some policy suggestion.
Key words：internet finance, crime, game model, suggestions
