互联网理财产品本质、边界及法律规制路径

发布时间：2018-05-23 20:17

  本文选题：互联网金融 + 互联网理财产品　； 参考：《湘潭大学学报(哲学社会科学版)》2017年05期

【摘要】：作为金融创新,互联网金融的供给端——互联网理财产品市场法制缺失,乱象丛生。产品名称混乱、性质不清,发售机关资质模糊,平台跑路事件时有发生,更有可能加大金融系统性风险。厘清互联网理财产品本质与边界是对互联网理财产品进行规制的前提。将互联网理财产品纳入法治轨道应分两步走。首先,出台部门法、地方法及规范性文件,对接传统理财产品的监管法制;其次,适时修改相关法律,为"证券""信托""集合投资计划"正名,并将同一功能理财产品的规则进行整合,向功能监管转变。
[Abstract]:As financial innovation, the supply end of Internet finance-the lack of legal system of Internet financial products market, chaos. The product name is confused, the nature is not clear, the sale organ qualification is vague, the platform runs the road event to occur from time to time, is more likely to increase the financial systemic risk. To clarify the essence and boundary of Internet financial products is the premise of regulating Internet financial products. It should be divided into two steps to bring Internet financial products into the track of rule of law. First of all, the introduction of departmental laws, local methods and normative documents, docking with the traditional financial management products regulatory system; secondly, timely revision of relevant laws to "securities" trust "collective investment plan" correct name, " And the rules of the same functional financial products are integrated to the functional supervision.
【作者单位】： 武汉工程大学法商学院;
【基金】：中国法学会项目“注册制背景下新股发行暂停机制立法研究”CL(2016)D89 湖北省软科学项目“科技众筹耦合模式与扶持政策研究”(2016ADC083)阶段性成果
【分类号】：D922.28;F724.6;F832.2
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本文编号：1926180