互联网投融资平台监管之法律进路

发布时间：2018-06-14 19:21

本文选题：“互联网+” + 小微投融资平台　；参考：《中南民族大学学报(人文社会科学版)》2017年05期

【摘要】：长期的金融抑制和金融垄断政策使得以银行间接融资为主要路径的小微融资困境难以缓解,"互联网+"背景下金融脱媒得以实现,以互联网金融平台为载体的小微企业投融资一体化得以形成。结合我国当前的发展困境和监管现状,须从法律监管的设计入手予以化解:一是法治理念上的价值平衡。二是建立科学有效的监管模式。三是建立互联网时代的个人信息安全保护制度。四是构建统一的互联网金融信用信息服务体系,继续修正和完善已有的监管政策,以实现对互联网投融资平台的有效监管和发展推动。
[Abstract]:The long-term financial repression and financial monopoly policy make it difficult to alleviate the plight of micro-financing, which mainly takes indirect financing of banks as the main path, and financial disintermediation can be realized in the context of the "Internet". The integration of investment and financing of small and micro enterprises based on Internet financial platform has been formed. Combining with the current situation of development and supervision in our country, we should start with the design of legal supervision: first, the balance of value in the concept of rule of law. Second, establish a scientific and effective regulatory model. Third, the establishment of the Internet era of personal information security protection system. The fourth is to build a unified Internet financial credit information service system and continue to revise and improve the existing regulatory policies in order to achieve the effective supervision and development of the Internet investment and financing platform.
【作者单位】：信阳师范学院法学与社会学学院;
【基金】：国家社会科学基金青年项目“互联网金融背景下普惠金融制度体系研究”(17CFX031) 教育部人文社会科学青年项目“互联网金融监管的法律建构研究”(16YJC820027)
【分类号】：D922.28

【相似文献】