余额宝的法律风险监管研究

发布时间：2018-05-30 05:27

本文选题：余额宝 + 法律风险　；参考：《上海师范大学》2015年硕士论文

【摘要】：网络金融的发展是当今金融业发展的巨大变革与发展趋势,而网络金融的发展也离不开金融创新产品的推动。支付宝公司于2013年推出的余额宝业务,一经上市迅速成为中国用户数最大的金融产品,还形成了一种“余额宝效应”。在这个效应影响之下,一些商业银行和基金公司,相继推出了一系列类余额宝的产品以争夺网络金融市场。在此推动下,互联网金融也成为大家关注的焦点。然而,在余额宝推出后不久,金融业内及法律人士纷纷对此类网络金融产品的监管和法律风险提出了质疑,甚至有人主张取缔余额宝。虽然证监会表示余额宝等尚且处于有效的监管之下,但伴随着此类金融产品的不断增多,新的创新产品不断出现,相关问题更逐渐显现。互联网金融的风生水起,相关制度的缺失,监管与防范的不力,给我们的金融生活埋下的隐患。如何正确认知以余额宝为代表的互联网金融产品的法律风险,进行风险防范推断,乃至可以进行相关的法律制度的构建已成为我们不得不面对的问题。本文以经济管理学为基础,结合财报数据、新闻事件,运用法律知识及研究方法,对于以余额宝的为代表的网络金融创新产品的法律风险及其监管防范问题进行了尝试性探索。本文共分为六个部分,第一部分,主要阐述了余额宝的发展及选题背景,论述了研究余额宝法律风险防范的实践意义与理论意义。第二章,概述余额宝的运行模式,分析其中的法律关系,提出对余额宝的定性。第三章,主要分析了在我国现行的监管法律制度下的监管模式、监管权限以及监管原则。同时分析了现行监管制度针对对余额宝监管的不足之处。第四章,分别从余额宝背后运营商支付宝公司和用户的角度,总结了余额宝运行的各方法律风险。第五章主要对比美日对类似网络金融产品的规定,总结美日监管经验,及对我国监管的启示。第六章,在监管体制的构建方面和余额宝现实风险的处理中,提出对余额宝的法律风险监管有可操作性机制构建和具体解决方案。鉴于本人的理论水平的有限和实践经验的缺乏,文中还存在着诸多问题,恳请评审专家及答辩专家批评指正。
[Abstract]:The development of network finance is the great change and development trend of the development of financial industry nowadays, and the development of network finance can not be separated from the promotion of financial innovation products. Alipay's Yu'e Bao business, launched in 2013, has quickly become China's largest financial product by users and has created a "Yu'e Bao effect." Under the influence of this effect, some commercial banks and fund companies have launched a series of Yu'e Bao products to compete for the network financial market. In this impetus, Internet finance has also become the focus of attention. However, shortly after the launch of Yu'e Bao, financial industry and legal professionals questioned the regulatory and legal risks of such online financial products, and some even advocated banning Yu'e Bao. Although the regulator said Yu'e Bao and others are still under effective supervision, but with the increasing number of such financial products, new and innovative products are emerging, and related problems are gradually emerging. The wind and water of Internet finance, the lack of relevant system, the weak supervision and prevention, the hidden trouble of our financial life. How to correctly recognize the legal risks of Internet financial products represented by Yu'e Bao, to infer the risks, and even to construct the relevant legal system, has become the problem that we have to face. Based on economic management, combined with financial report data, news events, using legal knowledge and research methods, this paper tries to explore the legal risk and supervision of the innovative products of network finance represented by Yu'e Bao. This paper is divided into six parts. The first part mainly expounds the development of Yu'e Bao and the background of the topic, and discusses the practical and theoretical significance of the study of Yu'e Bao's legal risk prevention. In the second chapter, the author summarizes the operation mode of Yu'e Bao, analyzes its legal relationship, and puts forward the qualitative analysis of Yu'e Bao. The third chapter mainly analyzes the supervision mode, the supervision authority and the supervision principle under the current supervision law system of our country. At the same time, it analyzes the deficiency of the current supervision system in the light of Yu'e Bao's supervision. The fourth chapter summarizes the legal risks of Yu'e Bao's operation from the perspective of Alipay Company and users behind Yu'e Bao. The fifth chapter mainly contrasts the American and Japanese regulations on similar network financial products, summarizes the experience of American and Japanese supervision, and the enlightenment to our country's supervision. In the sixth chapter, in the aspect of the construction of supervision system and the treatment of Yu'e Bao's realistic risk, the author puts forward the feasible mechanism construction and concrete solution to the legal risk supervision of Yu'e Bao. In view of my limited theoretical level and lack of practical experience, there are still many problems in this paper.
【学位授予单位】：上海师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

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