我国政府互联网金融行业监管问题研究

发布时间：2018-05-31 22:37

本文选题：互联网金融 + 政府监管　；参考：《吉林财经大学》2015年硕士论文

【摘要】：放眼全球经济生态,以互联网金融为代表的新金融模式已扮演着不可或缺的重要角色,与传统金融模式共同推动世界经济健康持续发展。互联网金融行业在我国发展的相当迅速,在规模上已经完成了后来居上的,对西方发达国家完成了全面超越,但是对互联网金融行业监管,我国尚处于起步阶段,和西方发达国家相对健全政府监管体系相比仍存在着巨大的差距。目前我国互联网金融行业的新兴业态仍处在一个无准入门槛,无行业标准,无监管机构的“野蛮生长”阶段,虽然规模巨大,发展速度较快,但是同时暴露出的问题也层出不穷,频繁的互联网金融平台公司跑路事件,正破坏着行业的健康发展,危害着广大消费者利益甚至对社会的和谐稳定发展造成十分严重的影响。因此如何对互联网金融行业进行有效的监管,已经是我国政府当前亟待解决的问题。对于正在积极打造服务型政府、提升市场效率的中国政府来说,对这样一个快速发展的新兴行业,如何进行有效的监管,为互联网金融的进一步发展制定有利于发挥其自身特性的政策和规划,逐步完善整体社会环境,引导更多我国企业和个人利用互联网金融在各领域创造更多社会价值,从而进一步服务我国实体经济和惠及广大民众,是考验我国政府的新问题。本文从我国实际情况出发,以大数据时代为背景,简述了当前我国互联网金融行业发展现状以及我国政府在互联网金融行业监管中面临的问题,通过对相应问题进行分析后,参考国外政府对本国互联网金融行业监管的措施和经验,进而提出对我国政府加强互联网金融行业监管的相关对策。本文在我国政府对互联网金融行业监管的研究方面取得了一定的成果,但由于时间周期短,样本小,可开发和利用的资源有限,还有待深入进行。
[Abstract]:Looking at the global economic ecology, the new financial model, represented by Internet finance, has played an indispensable role in promoting the healthy and sustainable development of the world economy together with the traditional financial model. The Internet financial industry has developed rapidly in our country. It has completed the development in scale and overtook the western developed countries. However, the supervision of the Internet financial industry in our country is still in its infancy. There is still a huge gap between the western developed countries and the relative sound government supervision system. At present, China's Internet financial industry is still in a stage of "savage growth" with no entry threshold, no industry standards, and no regulatory bodies. Although the scale is huge and the pace of development is relatively fast, But at the same time the problems also emerge one after another, frequent Internet financial platform companies running events, is destroying the healthy development of the industry, harm the interests of consumers and even the social harmony and stability of the development of a very serious impact. Therefore, how to supervise the Internet finance industry effectively is an urgent problem to be solved by our government. For the Chinese government, which is actively building a service-oriented government and enhancing market efficiency, how to effectively regulate such a rapidly developing new industry? To formulate policies and plans conducive to the further development of Internet finance, to gradually improve the overall social environment, and to guide more Chinese enterprises and individuals to use Internet finance to create more social value in various fields. To further serve our real economy and benefit the general public, is a test of our government's new problems. Starting from the actual situation of our country and taking the big data era as the background, this paper briefly describes the current situation of the development of the Internet financial industry in China and the problems that our government faces in the supervision of the Internet financial industry. After analyzing the corresponding problems, Referring to the measures and experiences of foreign governments to supervise the Internet financial industry in our country, this paper puts forward some countermeasures to strengthen the supervision of the Internet financial industry in our country. In this paper, some achievements have been made in our government's research on the supervision of Internet financial industry, but due to the short time period, small sample, limited resources available for development and utilization, it still needs to be further carried out.
【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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