随着互联网对我国社会的深度融合,互联网与金融的融合在我国也进行的如火如荼,但是国家层面对互联网金融产发展的监管并未形成制度。本文在观照互联网金融产业特点的基础上,对我国当前互联网金融产业的发展的地方监管实践及其优化进行了分析,并指出了完善互联网金融地方监管政策建议。 With the deep integration of the Internet in our country and the integration of the Internet and finance in our country, there is still no system to regulate the development of the Internet finance industry. Based on the characteristics of Internet finance industry, this paper analyzes the local regulatory practice and optimization of the current development of Internet finance industry in our country, and points out the suggestions of perfecting the local regulatory policies of internet finance.