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
