中国互联网金融法律规制研究

发布时间：2018-04-18 19:01

本文选题：普惠金融 + 互联网金融　；参考：《华中科技大学》2015年硕士论文

【摘要】：互联网金融是互联网与金融两者有机结合的产物。借助互联网技术,互联网金融有效地实现了金融活动中融资、支付和中介的功能。互联网金融包括金融互联网化、第三方支付、互联网货币、网络贷款、P2P和众筹等金融创新产品。互联网金融模式有效地淡化了现代金融业的专业化与分工,金融产品更加简单化,金融脱媒、去中介化,是一种更为民主化的普惠金融模式。互联网金融并不是一种新的金融形式,金融的核心功能——跨时间、跨空间的价值交换——并没有因为互联网的介入而有所改变。互联网金融中同样存在着传统金融业所存在的各种风险。互联网技术的介入后,很多金融创新产品与传统金融产品在流动性、收益性和风险性等方面有明显的差异性。在形式和法律上都具有多样性、综合性、差异性和跨界性等特点,这些特点需要建立在更加协调的法律规则体系的基础之上,需要选择新的监管原则确定恰当的监管边界和措施。在我国,互联网金融从2012年开始迎来了井喷式的爆发,大一批代表民营资本的非金融机构涉足金融业,阿里巴巴引爆了互联网金融,腾讯、京东、百度等互联网巨头也都布局进军互联网金融行业。我国互联网金融的爆发有着中国特色的政治、经济、法律和文化背景,与国外互联网金融在成因、运作机制和风险管理等方面有一定的差异性。目前,我国互联网金融规制还不完善,互联网金融机构参差不齐,乱象丛生。这也严重冲击着我国金融体系的稳定。作为一种新兴金融力量,互联网金融在合法性、规范性和安全性上还有一定的欠缺。互联网金融存在于传统主流金融市场与金融体制夹缝之下的特点也对现有的传统金融规制和金融法体提出了新的挑战。因此,我国在有必要对中国的互联网金融予以规范化,并辅之以适当的监管。互联网金融在我国发展的过程中,对世界各国的互联网金融规制的立法实践进行比较研究,可以为我国在实践中如何选择性的吸收和借鉴提供了判别的依据,并在此基础上,充分结合我国互联网金融发展的现状,制定符合中国特色的互联网金融规制模式。具体而言,我国互联网金融应当遵循在微观上宽松的审慎监管原则和对其系统性风险防范的宏观审慎监管原则,在互联网金融“硬法与软法的二元结构”和“公法与私法的二元结构”的法律结构下,加强宏观金融风险防范和保护金融消费者权益是两大核心,同时,要注意加强互联网金融监管的协调与合作,引导互联网金融建立行业协会来进行行业自律监管。此外,还应建立互联网金融的市场准入制度、金融消费者保护制度、征信制度、信息披露制度和黑名单惩罚制度等相关配套制度。
[Abstract]:Internet finance is an organic combination of Internet and finance.With the help of Internet technology, Internet finance effectively realizes the functions of financing, payment and intermediary in financial activities.Internet finance includes financial innovation products such as internet finance, third party payment, internet currency, internet loan, P2P and crowdfunding.Internet financial model has effectively desalinated the specialization and division of labor in modern financial industry, and financial products are more simplified, financial disintermediation and disintermediation, which is a more democratic and inclusive financial model.Internet finance is not a new form of finance. The core function of finance-the value exchange across time and space-has not changed as a result of the intervention of the Internet.There are also various risks in the traditional financial industry in Internet finance.After the intervention of Internet technology, many financial innovation products and traditional financial products have obvious differences in liquidity, profitability and risk.They have the characteristics of diversity, comprehensiveness, diversity and transborder in form and law, which need to be based on a more coordinated system of legal rules,New regulatory principles need to be chosen to identify appropriate regulatory boundaries and measures.In China, Internet finance began to blow out in 2012. A large number of non-financial institutions representing private capital set foot in the financial sector. Alibaba detonated Internet finance, Tencent, JingDong,Baidu and other Internet giants are also layout into the Internet financial industry.The outbreak of Internet finance in China has political, economic, legal and cultural background with Chinese characteristics, which is different from that of foreign Internet finance in the aspects of origin, operation mechanism and risk management.At present, China's Internet financial regulation is not perfect, Internet financial institutions are uneven, chaos.This is also a serious impact on the stability of our financial system.As a new financial force, Internet finance is still lacking in legality, standardization and security.The existence of Internet finance under the gap between traditional mainstream financial market and financial system also poses a new challenge to the existing traditional financial regulation and financial law system.Therefore, it is necessary for our country to standardize the Internet finance in China and to supervise it properly.In the course of the development of Internet finance in our country, a comparative study on the legislative practice of Internet financial regulation in various countries in the world can provide a basis for judging how to absorb and learn from it selectively in our practice, and on this basis,According to the current situation of the development of Internet finance in China, the model of internet financial regulation with Chinese characteristics is formulated.In particular, China's Internet finance should follow the principles of microcosmic and macro-prudential supervision to guard against systemic risks.Under the legal structure of "dual structure of hard law and soft law" and "dual structure of public law and private law" in Internet finance, strengthening the prevention of macro financial risks and protecting the rights and interests of financial consumers are the two core points, at the same time,We should pay attention to the coordination and cooperation of Internet financial supervision and guide Internet finance to set up trade associations to carry out industry self-regulation.In addition, it is necessary to establish market access system of Internet finance, financial consumer protection system, credit system, information disclosure system and blacklist punishment system.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

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