我国网络金融理财法律监管制度研究

发布时间：2018-04-16 13:09

本文选题：余额宝 + 网络金融理财法律监管　；参考：《吉林财经大学》2015年硕士论文

【摘要】：随着计算机及互联网迅速的发展及广泛使用,上网用户数量急剧增加,人们的工作生活已然离不开互联网,在这个连水果外卖水电费都可以在网上搞定的时代,网络金融理财的兴起便不足为怪了。在金融服务业中,信息技术的充分使用促进了金融业务组织机构和服务形式的更新。网上金融业务的推广也是创新成果的重要组成部分。以互联网为代表的现代信息科技,将对我国金融模式产生重大影响。2013年6月13日,三方平台支付宝正式推出“余额宝”增值业务。这项业务的出台对我国金融行业产生了巨大的影响。余额宝的成功上线,是对传统金融理财的一次重大挑战,也是对我国网络金融理财市场法律监管制度完善的一记鞭策。在当今21世纪,人们的生活正在逐步趋向网络化发展,金融理财的网络化也将必然成为未来的发展趋势。随着金融理财在互联网上的逐步创新发展,对法律法规的完善也提出了更高的要求。认识网络金融理财的风险,讨论如何构建和完善网络金融理财法律监管体系,对于弥补我国法律在网络金融理财监管方面的空白有着至关重要的作用。本文除去结语共分为四个部分,研究框架大致如下:第一章提出了金融及网络金融的定义,并提出网络金融的特征,包括业务创新、管理创新、市场创新及监管创新四个创新点。并由网络金融引出传统金融理财及网络金融理财的定义,并对它们进行概述。第二章以余额宝为例分析了网络金融理财的现状、我国网络金融理财存在的特点、其存在的优势及弊端以及存在的风险。第三章针对上述我国网络金融理财的现状分析指出我国网络金融理财法律监管存在的问题。包括监管原则不明确,监管体系不健全,第三方支付平台存在规制问题和第三方理财机构存在规制问题。对这些问题进行进一步阐述。第四章即针对第三章所提出的问题做出有应对。明确网络金融理财法律监管的原则,完善网络金融理财法律监管体系,加强对第三方支付平台和第三方理财机构的法律监管。文章以余额宝为主线,对传统金融理财及网络金融理财进行描述比较,对新兴的网络金融理财进行利弊和风险分析,从而发现目前我国网络金融理财法律监管存在的问题,借鉴发达国家的监管方式,对我国网络金融理财法律监管提出建议。
[Abstract]:With the rapid development and extensive use of computers and the Internet, the number of Internet users has increased dramatically, and people's working lives have become inseparable from the Internet.The rise of network financial management is not surprising.In the financial service industry, the full use of information technology promotes the renewal of financial business organization and service form.The promotion of online financial business is also an important part of innovative results.Modern information technology, represented by the Internet, will have a significant impact on our financial model. On June 13, 2013, Alipay, a tripartite platform, officially launched "Yu'e Bao" value-added business.The introduction of this business has had a huge impact on our financial industry.The successful launch of Yu'e Bao is a great challenge to the traditional financial management and a spur to the perfection of the legal supervision system of our country's network financial management market.In the 21st century, people's life is gradually moving towards the network development, and the network of financial management will inevitably become the future development trend.With the gradual innovation and development of financial management on the Internet, higher requirements have been put forward for the perfection of laws and regulations.Understanding the risks of network financial management and discussing how to construct and perfect the legal supervision system of network financial management play an important role in bridging the gap of our country's laws in the aspect of network financial management and supervision.The thesis is divided into four parts. The research framework is as follows: the first chapter puts forward the definition of finance and network finance, and puts forward the characteristics of network finance, including business innovation, management innovation, and so on.Market innovation and regulatory innovation four innovation points.The definition of traditional financial management and network financial management is introduced by network finance, and they are summarized.The second chapter takes Yu'e Bao as an example to analyze the current situation of network financial management, the characteristics of our country's network financial management, its advantages and disadvantages, and the existing risks.The third chapter points out the problems existing in the legal supervision of the network financial management in our country according to the analysis of the present situation of the above mentioned network financial management.Including the regulation principle is unclear, the supervision system is not perfect, the third party payment platform exists the regulation problem and the third party financial management organization has the regulation question.These problems are further elaborated.The fourth chapter is to deal with the problems raised in the third chapter.The principle of legal supervision of network financial management should be clarified, the legal supervision system of network financial management should be perfected, and the legal supervision of third-party payment platform and third-party financial institutions should be strengthened.Taking Yu'e Bao as the main line, this paper describes and compares the traditional financial management and the network financial management, and analyzes the advantages, disadvantages and risks of the new network financial management, and finds out the problems existing in the legal supervision of the network financial management in our country at present.Based on the supervision methods of developed countries, this paper puts forward some suggestions on the legal supervision of network financial management in China.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

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