互联网金融模式创新的法律边界与规制

发布时间：2018-06-10 15:54

  本文选题：互联网金融 + 商业模式创新　； 参考：《西北大学学报(哲学社会科学版)》2017年03期

【摘要】：网络技术与传统金融业结合催生了新的金融模式。互联网金融以其普惠性、成本低、效率高等特点,对传统金融业务及其监管带来挑战。互联网金融商业模式及其创新存在的负外部性,需明确互联网金融创新的法律边界在于公共利益保障与个体利益实现之间的平衡,借助国家公权力有效协调创新及其监管。我国可借鉴国外立法内容,创新金融监管思路,逐步从变革监管体制、注重消费者权益保护、革新监管手段和技术、强化行业自律组织作用等方面分层次完善监管规则。
[Abstract]:The combination of network technology and traditional financial industry has given birth to a new financial model. Internet finance brings challenges to traditional financial business and its supervision because of its characteristics of inclusiveness, low cost and high efficiency. The negative externality of Internet financial business model and its innovation needs to be clear that the legal boundary of Internet financial innovation lies in the balance between the protection of public interests and the realization of individual interests, and the effective coordination and supervision of innovation and supervision with the aid of the public power of the state. Our country can draw lessons from foreign legislation content, innovate the train of thought of financial supervision, gradually change the supervision system, pay attention to the protection of consumers' rights and interests, innovate the means and technology of supervision, strengthen the function of the self-discipline organization of the industry and so on, and perfect the supervision rules in different levels.
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本文编号：2003768