我国互联网金融监管法律制度研究

发布时间：2018-03-16 14:18

本文选题：互联网金融　切入点：监管法律　出处：《哈尔滨工程大学》2015年硕士论文　论文类型：学位论文

【摘要】：互联网经济时代,金融活动的互联网化特征日趋明显,互联网金融作为现代金融发展的新趋势,已经成为我国经济发展中的重要组成部分,第三方支付、P2P网贷等互联网金融形式不断创新,并呈现出多样化的态势。互联网金融持续而高效的发展,有助于促进整体金融业的繁荣。由于近几年来互联网金融开始产生并迅速兴起,我国现有的金融监管难以有效的满足互联网金融时期的监管需求,而互联网金融发展中可能出现的非法经营等各种法律风险,会对互联网金融的健康快速发展形成制约,甚至影响互联网金融的行业安全,因而监管问题显得尤为重要。为了鼓励创新,明确互联网金融监管责任,2015年7月央行会同有关部门发布了《关于促进互联网金融健康发展的指导意见》,落实了监管责任,明确了业务边界。但是要实现对互联网金融业的有效监管,需要法律的强制性来提供保障,在合理定位互联网金融概念的基础上,结合我国目前的法律制度现状,借鉴国际互联网金融的监管经验完善我国互联网金融监管法律制度。首先,提出立法建议,并从现有的监管体系出发,结合互联网金融的特点,以技术监管、市场准入等为内容完善监管法律法规,为互联网金融监管提供可靠的法律依据。其次,监管机构需要以相互合作的协调模式对互联网金融实行功能性监管,保持监管体系的一致性。第三,积极的发展互联网金融的行业自律组织,通过设立行业协会,制定行业标准引导和推动同业监督,取得更好的监管成效。第四,国际间监管当局的合作也显得尤为重要,我国监管机构应当与其他国家密切协助,共同打击跨境的互联网金融犯罪,为国内互联网金融行业提供更安全的发展环境。
[Abstract]:In the era of Internet economy, the characteristics of financial activities become more and more obvious. As a new trend of modern financial development, Internet finance has become an important part of the economic development of our country. Third party payment, P2P network loan and other Internet financial forms are constantly innovating and showing a diversified trend. Internet finance continues to develop with high efficiency. It helps to promote the prosperity of the financial industry as a whole. Due to the emergence and rapid rise of Internet finance in recent years, the current financial supervision in China is difficult to effectively meet the regulatory needs in the period of Internet finance. And various legal risks, such as illegal operation, which may arise in the development of Internet finance, will restrict the healthy and rapid development of Internet finance, and even affect the industry safety of Internet finance. In order to encourage innovation and clarify the responsibility of Internet financial supervision, on July 2015, the Central Bank, together with relevant departments, issued the guidance on promoting the healthy Development of Internet Finance, which implemented the responsibility of supervision. It clarifies the business boundary. However, in order to realize the effective supervision of the Internet financial industry, it needs the compulsory protection of the law. On the basis of reasonably positioning the concept of Internet finance, combining with the current situation of the legal system in our country, To perfect the legal system of Internet financial supervision in China by using the experience of Internet finance supervision for reference. First of all, the author puts forward some legislative suggestions, starting from the existing regulatory system and combining the characteristics of Internet finance, to improve the legal system of Internet financial supervision by means of technical supervision. Market access is the content of perfecting regulatory laws and regulations to provide a reliable legal basis for Internet financial supervision. Secondly, regulators need to implement functional supervision of Internet finance in a coordinated mode of mutual cooperation. Maintain the consistency of the regulatory system. Third, actively develop self-regulatory organizations in the industry of Internet finance. Through the establishment of trade associations and the establishment of industry standards to guide and promote the supervision of the same industry, we will achieve better regulatory results. 4th, The cooperation of international regulatory authorities is also particularly important. China's regulators should work closely with other countries to crack down on cross-border Internet financial crimes and provide a more secure development environment for the domestic Internet financial industry.
【学位授予单位】：哈尔滨工程大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

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