本报记者 陆玲 发自北京 Our reporter Liu Ling from Beijing

　　“互联网和很多东西都能结合，但唯独跟金融结合难度最大。金融是经营风险的。”此前，P2P网络信贷翼龙贷董事长王思聪告诉记者。

"The Internet and a lot of things can be combined,But only with the financial difficulty is the largest.Is financial management risk."after,P2P network pterosaurs, chairman of loan credit Wang Sicong told reporters.

　　互联网金融已经势不可当地蓬勃发展起来，表现形式也多种多样：网络银行、金融理财产品网络销售、第三方电子支付、网络保险销售，以及网络小额信贷等。规模也越来越不可小觑。但与此同时，违法违规现象越来越突出。

The Internet booming financial has been unstoppable,Form varied also:The network bank/Financial products online sales/The third party electronic payment/Network insurance sales,As well as the network of microfinance, etc.Scale is becoming more and more to be reckoned with.But at the same time,Illegal phenomenon is more and more prominent.

　　今年两会期间，基金行业唯一的代表、全国政协委员、民盟中央委员、交银施罗德基金公司副总经理谢卫提了《关于规范发展互联网金融几点建议的提案》。在他看来，互联网金融出现的种种问题根源在于立法滞后及监管不到位。有针对性地立法、监管已迫在眉睫。

During the two sessions this year,The only representative of the fund industry/The CPPCC national committee/The NLD central committee/Bocom schroders fund company deputy general manager Xie Wei refer to it[Suggestions about the normative development of the Internet financial proposal].In his opinion,The problems of Internet financial is rooted in lagging in legislation and regulation is not in place.A targeted legislation/Regulation is imminent.

监管体系错位易导致风险 Regulatory system dislocation associated risk

　　时代周报：可否简单介绍一下你的提案？

Time weekly:Can you make a brief introduction of your proposal?

　　谢卫：互联网金融近年来发展势头迅猛。在肯定互联网金融发展的同时，有一些潜在的问题也应引起我们的关注。比如，1.违法违规的现象有所突显。2.个人信息保护力度不够。近年来，小规模的个人信息泄露、买卖事件频生。3.网络技术安全存在隐患。比如，近两年兴起的快捷支付，由于绕过了银行完善的网银安全系统，直接凭借姓名、账号、身份信息进行支付，存在一定技术安全隐忧。4.互联网金融企业的主体地位不明确。不少从事互联网金融的企业以小额贷款公司、财务公司、投资咨询公司、有限合伙制私募基金等形式其开展的业务“名不副实”，超越了业务范畴。

Xie Wei:Internet financial development momentum is swift and violent in recent years.The author affirms the financial development of the Internet,There are some potential problems should also cause our attention.Such as the,1. The illegal phenomenon is highlighted.2. Not enough protection of personal information.In recent years,Small personal information leakage/Business event frequency.3. Network technology security hidden danger exists.Such as the,Nearly two years rise and quick payment,Due to bypass the Banks to improve online banking security system,Directly with the name/account/Identity information for payment,There are some technical safety concerns.4. The subject status of the Internet financial enterprises are not clear.Many companies to small loans company is engaged in the Internet financial/Financial company/Investment advisory firm/Business conducted by the form of a limited partnership private equity fund"wrong",Beyond the scope of business.

　　面对互联网金融加速发展的趋势，结合可能出现的风险，提了几点建议：加快互联网金融相关法律法规体系建设；加大监管力度；鼓励传统行业大胆尝试互联网金融。

Facing the trend of the development of the Internet financial accelerator,Combined with possible risks,Some advice:Accelerate the construction of Internet financial related laws and regulations system;Strengthen supervision;Encourage bold attempt Internet financial traditional industry.

　　时代周报：关于你提出的互联网金融立法滞后，监管不到位的问题，也有一方声音认为，许多互联网金融模式刚刚起步，怎么做都还不知道。以P2P网络信贷为列，究竟是做线上模式还是线下模式，大家都在摸索。急于立法统一是不是不利于行业的创新发展？

Time weekly:About you put forward the Internet financial legislation lag,Regulation is not in place,Think one voice, too,Many Internet financial models has just started,Also don't know how to do.Based on P2P network credit column,What is done online or offline mode,Everyone in the fumble.If eager to unified legislation against industry innovation and development?

　　谢卫： 互联网金融发展意义深远。一是便捷、高效、低成本改变了银行依托于网点建设的发展模式，降低了银行的经营成本，提升了金融效率。二是有效地支持了实体经济，特别是小微企业的发展。

Xie Wei: Internet financial development is of far-reaching significance.It is convenient/efficient/Low cost changed bank depends on development modes of network construction,Reduce the cost of bank management,Enhance the financial efficiency.2 it is to effectively support the real economy,Especially the development of small micro enterprise.

　　但便利性不等于风险可控。金融是要经营风险的。一旦出了事后果不堪设想。现在监管层也注意到这个问题了，但介入力度很小。

But convenience is not equal to the risk controllable.Finance is to management risk.Once an accident consequence is unimaginable.Regulators also noticed this problem now,But little intervention efforts.

　　其实立法滞后和监管不到位是个统一的问题。如果说立法太早的话，监管要不要先行？

Is lagging in legislation and regulation is not in place a unity.If legislation too early,Regulation should come first?

　　目前，互联网金融领域是以参与主体为监管依据，如银行的互联网金融业务服从银监会的相关监管，以阿里金融为代表的小贷公司则由地方政府监管，以宜信为代表的人人贷业务、以支付宝为代表的电子支付业务则无明确的监管部门，主要依靠行业自律。这些监管体系的错位，容易出现监管标准不统一引发的业务混乱，从而导致互联网金融的风险。

At present,Participation main body to finance based on the Internet,Such as bank of Internet banking to submit to the China banking regulatory commission relevant regulations,Small loan company represented by ali financial are regulated by local government,Represented by appropriate letter loan business/Represented by alipay electronic payment business, no clear regulators,Rely mainly on industry self-discipline.The dislocation of the regulatory system,It's easy to have a regulatory standard not unified cause confusion of the business,Resulting in the Internet financial risk.

　　我们说鼓励行业发展，但并不是鼓励没有路径的乱发展。没有监管肯定是会乱套的。

We say that encourage the development of industry,But not encourage no disorderly development path.No regulation must be the spoils.

鼓励国企开展互联网金融业务 Encourage state firms to carry out the Internet banking business

　　时代周报：你在提案最后建议国家鼓励大型国有企业，特别是国有银行积极开展互联网金融业务。你说的这个鼓励是指什么？给予一定的政策支持？

Time weekly:Your suggestion proposed in the last national encouraging large state-owned enterprises,Especially state-owned Banks actively developing Internet banking business.This encouragement refers to what you say?To give certain policy support?

　　谢卫：目前银行也在摸索，但毕竟速度还是很慢。相对而言，银行以做大企业为主，做小贷成本是很高的。期望央行能在政策上给予一定的支持。毕竟，银行在监管的控制体系内。

Xie Wei:Now Banks are feeling,But speed is slow, after all.In relative terms,Banks give priority to in order to do big business,Do small credit cost is high.Expect the central bank can offer certain support on policy.After all,,Banks within the supervision control system.

　　时代周报：其实如果银行看到利益所在，自然会进入的。比如三马融合、P2P网络信贷领域的证大集团（旗下小贷网站“证大e贷”）。光大银行(601818,股吧)也开始尝试在网上揽储。我倒是从很多民营网贷处了解，他们担心银行的过分介入，使得他们“没饭吃”？

Time weekly:So if the bank interest,Nature will enter.Such as the three-horse fusion/P2P network evidence big group credit field(Its small lending site"Zendai e credit").Everbright bank(601818,stocks)Also began to try to deposits on the Internet.I understand from many private net lending,They worry that Banks are too involved,Make them"Didn't eat rice"?

　　谢卫：互联网金融这个市场容量是很大的。近年来，国内大型企业、银行、保险等大型金融机构参与互联网金融的热情很高，也推出了不少有创新意义的特色产品和服务。但发展最快的还是由民间资本参与、电子商务发展推动的第三方电子支付企业，甚至出现了行业垄断的势头。从长远来看，并不利于互联网金融行业的健康、均衡发展。

Xie Wei:Internet financial the market capacity is very big.In recent years,Large domestic corporations/The bank/Insurance and other large financial institutions to participate in the enthusiasm of the Internet financial is very high,Have also launched many products and services with innovative characteristics.But one of the fastest growing or by the folk capital to participate in/Electronic commerce development of third party electronic payment enterprises,Even the industry monopoly.In the long run,Internet is not good for the health of the financial industry/The balanced development of.

　　鼓励大型国有企业，特别是国有银行积极开展互联网金融业务，积极探讨互联网金融的对外开放，接纳部分有成功经验的国外互联网金融机构来华开展业务，形成国有资本、民间资本和外资相互竞争、共同发展的和谐格局。

Encouraging large state-owned enterprises,Especially state-owned Banks actively developing Internet banking business,Actively explore the Internet financial opening to the outside world,Acceptance of parts have the successful experience of foreign financial institutions doing business in China on the Internet,Form of state-owned capital/Private capital and foreign competition/Common development pattern of harmony.

　　时代周报：随着金融创新的深化，券商、基金也开始纷纷“触电”。刚开始很简单，网上开金融超市卖基金或者理财产品。最近华创证券开始尝试网上商城卖奢侈品。你怎么看？基金公司应该抓住怎样的机会？

Time weekly:With deepening of financial innovation,brokers/Funds are started in succession"Get an electric shock".Just start simple,Online open financial supermarket sell fund or financial product.Recently China securities to try online mall to sell luxury goods.What do you think?Fund companies should seize the chance to what?

　　谢卫：华创证券那个不太了解。基金公司的网上销售当然应该大力发展，这是趋势。但就目前的成效来说一般。但基金产品不等于卖衣服，更多涉及投资理念，不能约定的。初期可以尝试一些固定收益类基金，比如货币基金等。

Xie Wei:China securities that do not know much about.Fund the company's online sales, of course, should vigorously develop,This is a trend.But in terms of the present results.But the fund products is not equal to sell it,More involved investment philosophy,Not agreed.Early can try some fixed income funds,Such as monetary fund.