关键词: 互联网金融, 信息不对称, "信息服务型"监管, 信息共享

Abstract: The key difficulty in Internet financial supervision is to deal with the risk of market information asymmetry, but the effectiveness of the existing regulatory methods has not been demonstrated, and the “information regulation” supervision mode dominated by information disclosure is also difficult to fundamentally solve the problem. Information is the important content of public services in the Internet era, and the information services of Internet financial regulators are also becoming more prominent. Based on the innovation of the methods of the “service-oriented supervision”, Internet financial regulators should also establish the identity of information service providers, correct market information resource allocation defects through providing information services, and organize and coordinate multilateral entities to solve the problem of information asymmetry. The “information service-type” supervision mode of Internet finance should adhere to the market-oriented allocation of information resources and the notion of supervising and correcting the defects of information allocation. The service contents should be regulating various types of information in the market, the service objects should be all the parties in the market, and the service means should be providing information disclosure and consultation before the event, providing information filtering and maintenance during the event, and providing information picketing and accountability after the event, which is supplemented by multilateral information game mechanism, multiple information incentive mechanism and information subject responsibility mechanism, so as to promote the healthy development of the Internet financial market through comprehensive information governance.

Key words: Internet finance, information asymmetry, "information service-type" supervision, information sharing