论我国互联网金融的法律监管

发布时间：2018-02-28 07:51

本文关键词： 互联网金融法律监管监管制度　出处：《暨南大学》2015年硕士论文　论文类型：学位论文

【摘要】：互联网金融在资源配置、支付方式和信息处理方式的创新,有助于解决中小微企业和个人融资难的问题,更好地满足了消费者对理财产品多样性的投资需求,是传统金融的有效补充。互联网金融是未来金融发展的方向,互联网金融的有效监管是保障互联网金融发展的基础,对促进我国金融发展、带动我国经济繁荣有重要意义。本文采用了规范性研究和实证研究方法,深入了解了互联网金融平台的运营模式,梳理分析了互联网金融监管理论和传统金融监管理论。在研究中发现,现有的金融监管制度与金融业混业经营模式、民间金融存在内在矛盾,以机构监管为导向的监管体制以及界定过严的金融抑制型监管制度,使得众筹、P2P网络借贷等互联网金融平台游离于正规金融监管之外。这对互联网金融业的健康发展、金融消费者利益保护都有严重威胁。因此,我们认为有必要转变金融监管理念,调整纵向机构型监管模式为功能监管型监管模式,修改法律以增强现有金融法律制度的适应性,并加强行为监管以提高风险防范策略,完善金融消费者保护体系以保障金融创新下金融消费者的应有权益。
[Abstract]:The innovation of Internet finance in resource allocation, payment and information processing can help to solve the problem of financing difficulties for small and medium enterprises and individuals, and better meet the diversified investment needs of consumers in wealth management products. Internet finance is the direction of financial development in the future. Effective supervision of Internet finance is the basis for ensuring the development of Internet finance, and it will promote the financial development of our country. It is of great significance to promote the economic prosperity of our country. This paper adopts normative research and empirical research methods to deeply understand the operation mode of Internet financial platform. Combing and analyzing the theories of Internet financial supervision and traditional financial supervision, it is found that there are inherent contradictions between the existing financial supervision system and the mixed operation mode of financial industry. The regulatory system guided by institutional supervision and the over-defined financial repression regulatory system have made Internet financial platforms such as crowdfunding P2P network lending dissociate from formal financial supervision. This is beneficial to the healthy development of the Internet financial industry. Therefore, we think it is necessary to change the concept of financial supervision, adjust the vertical model of institutional supervision to the mode of functional supervision, modify the law to enhance the adaptability of the existing financial legal system. And strengthen the behavior supervision to improve the risk prevention strategy, perfect the financial consumer protection system to protect the financial consumers' due rights and interests under the financial innovation.
【学位授予单位】：暨南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

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