互联网金融投资者权益保护制度研究

发布时间：2018-02-04 23:39

本文关键词： 互联网金融投资者权益保护　出处：《河北经贸大学》2017年硕士论文　论文类型：学位论文

【摘要】：2013年以来,随着“余额宝”等服务平台的正式上线,我国互联网金融快速发展,取得了令人瞩目的成就。短短几年时间里,互联网金融成为了日常经济活动中最为热点的话题之一。本文首先通过对互联网金融在我国发展历史的回顾,追本溯源,提出我们日常使用的“互联网金融”几乎包括了所有和利用互联网从事资金往来的经济活动,并通过进一步探讨业界、学术界、官方对“互联网金融”认识,提出本文互联网金融的概念。对于互联网金融投资者来说,首先需要厘清金融投资者与消费者的概念。本文通过分析两者的区别和联系,提出互联网金融消费者实质上是投资者,但是可以将对消费者的保护制度,引入到金融投资者中,但是需要单独制定法律,或对消费者保护法进行修改。但是,由于互联网金融在我国历史发展较短,有关制度也在起步探索阶段,多数行政规章也处在“暂行”、“试行”阶段,还存在一定的缺陷和问题,具体到互联网金融投资者保护制度,主要在立法、行业自律、维权渠道上等存在一定问题。我国互联网金融投资者保护制度需要在理论上和实践中不断完善。本文分为四个部分:第一部分是引言,对我国现阶段互联网金融的选题背景,研究目的、意义,国内外研究现状做了研究。第二部分是互联网金融投资者权益保护概述,主要包括互联网金融在我国的发展,互联网金融的概念,互联网金融投资者的地位和完善投资者保护制度的必要性第三部分是我国互联网金融投资者保护制度现状与问题。主要包括从监管、投资者适当性、防范金融犯罪等角度阐述我国现阶段互联网金融投资者的保护制度和互联网金融投资者保护制度的特点和问题第四部分是我国互联网金融投资者保护制度的完善。为切实保护投资者合法权益,笔者提出,要在互联网金融法律法规中确立保护投资者利益原则。同时,对国外的相关法律制度取其精华,去其糟粕,在完善互联网金融企业准入制度、完善监管体系、规范企业行为、防范互联网金融犯罪等方面健全互联网金融监管体系,并通过完善行业自律制度、拓宽互联网金融投资者维权渠道等,建立健全我国互联网金融投资者保护体系。
[Abstract]:Since 2013, with the official launch of "Yu'e Bao" and other service platforms, the rapid development of Internet finance in China has made remarkable achievements. Internet finance has become one of the hottest topics in daily economic activities. Firstly, this paper traces the origin of Internet finance through the review of its development history in China. Proposed that our daily use of "Internet finance" almost includes all and use the Internet for financial transactions of economic activities, and through further exploration of the industry, academia, official understanding of "Internet finance". This paper proposes the concept of Internet finance. For Internet financial investors, the first need to clarify the concept of financial investors and consumers. It is proposed that Internet financial consumers are investors in essence, but the consumer protection system can be introduced into the financial investors, but need to make separate laws, or to amend the consumer protection law. Due to the short history of Internet finance in our country, the related system is also in the initial stage of exploration, and most administrative rules and regulations are also in the "temporary" and "trial" stage, there are still some defects and problems. Specific to the Internet financial investors protection system, mainly in legislation, industry self-discipline. China's Internet financial investor protection system needs to be improved in theory and practice. This paper is divided into four parts: the first part is the introduction. The background, purpose, significance and current research status of Internet finance in China are studied. The second part is an overview of the protection of the rights and interests of Internet financial investors. Mainly including the development of Internet finance in China, the concept of Internet finance. The status of Internet Financial investors and the necessity of perfecting the Investor Protection system the third part is the status quo and problems of the Internet Financial investors Protection system in China. On the Protection system of Internet Financial investors and the characteristics and problems of Internet Financial Investor Protection system at present in China from the angle of preventing financial crimes 4th part is the perfection of China's Internet Financial Investor Protection system. To protect the legitimate rights and interests of investors. The author proposes to establish the principle of protecting the interests of investors in the laws and regulations of Internet finance. At the same time, we should take the essence of the relevant legal systems of foreign countries, discard the dross, and improve the access system of Internet financial enterprises. Improve the regulatory system, standardize corporate behavior, prevent Internet financial crimes and other aspects of sound Internet financial supervision system, and improve the industry self-regulation system, expand the channels for Internet financial investors to protect their rights, and so on. Establish and improve China's Internet financial investor protection system.
【学位授予单位】：河北经贸大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.287

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