互联网基金销售法律监管问题研究

发布时间：2018-06-15 00:51

本文选题：互联网平台 + 基金销售　；参考：《辽宁大学》2016年硕士论文

【摘要】：互联网基金销售作为新兴起的基金销售形式,是对我国基金销售的重要补充,但我国现有的法律却不能完全适用这种销售模式的发展,故,相应监管法律法规的出台是十分必要和紧迫的。本文从理论依据、我国立法现状及缺陷等角度展开分析,并在此基础上提出完善建议,进而为互联网基金销售构建一个安全、有序的发展环境。本文主要分为三个部分,第一部分是互联网基金销售的一般理论。主要介绍了互联网基金销售的概念及特点,体现了互联网基金销售的高收益性、高流动性、低门槛性、提高社会闲散资金的利用率和拓宽了基金销售的渠道的特点；对互联网基金销售模式予以法律分析,主要以余额宝为例,分析了余额宝的法律性质、主体架构和运营中的法律关系；进一步阐述了互联网基金销售法律监管的必要性。第二部分对我国互联网基金销售法律监管现状及存在的问题进行分析。主要介绍了我国互联网基金销售法律监管现状,从现有的法律规范体系和法律适用两个角度展开阐述,并在此基础上提出我国互联网基金销售存在的问题。第三部分是我国互联网基金销售法律监管的完善建议,分别从法律法规的建设、主体职责的明确、平台法律地位的界定、行业内部监管的加强、信息披露和风险管理等六个方面加以明确。全文在一系列理论和实务分析研究的基础上,旨在分析我国互联网基金销售过程存在的问题,进而提出完善建议。笔者认为,互联网基金销售这种创新基金销售模式将代表着互联网金融未来的发展方向,随着这种销售模式的快速发展,只有建立完善的法律监管机制,才能实现我国金融行业健康、有序、多元化的发展。
[Abstract]:As a newly emerging form of fund sales, Internet fund sales is an important supplement to fund sales in China, but the existing laws of our country can not fully apply to the development of this kind of sales model. The introduction of corresponding regulatory laws and regulations is very necessary and urgent. This paper analyzes the theoretical basis, the current situation and defects of legislation in China, and puts forward some suggestions on how to build a safe and orderly development environment for the sale of Internet funds. This paper is divided into three parts, the first part is the general theory of Internet fund sales. This paper mainly introduces the concept and characteristics of Internet fund sales, which embodies the characteristics of high profitability, high liquidity and low threshold of Internet fund sales, and improves the utilization rate of social idle funds and widens the channel of fund sales. Taking Yu'e Bao as an example, this paper analyzes the legal nature of Yu'e Bao, the main body structure and the legal relationship in operation, and further expounds the necessity of legal supervision of Internet fund sales. The second part analyzes the current situation and existing problems of the legal supervision of internet fund sales in China. This paper mainly introduces the current situation of the legal supervision of Internet fund sales in China, expounds the existing legal normative system and legal application, and puts forward the problems existing in the sales of Internet funds in China on this basis. The third part is the perfect suggestions on the legal supervision of Internet Fund sales in China, respectively, from the construction of laws and regulations, the clear responsibility of the main body, the definition of the legal status of the platform, and the strengthening of the internal supervision of the industry. Information disclosure and risk management should be defined in six aspects. On the basis of a series of theoretical and practical analysis, this paper aims to analyze the problems existing in the process of selling Internet funds in China, and then put forward some suggestions for perfection. The author believes that Internet fund sales this innovative fund sales model will represent the future development direction of Internet finance. With the rapid development of this sales model, only to establish a sound legal regulatory mechanism, In order to achieve healthy, orderly and diversified development of our financial industry.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.28

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