互联网金融监管的法律规制研究

发布时间：2018-06-18 16:41

本文选题：互联网金融 + 监管　；参考：《河南财经政法大学》2017年硕士论文

【摘要】：互联网金融是传统金融机构与互联网企业联合以互联网技术和信息通信技术为支撑,实现资金融通、支付、投资和信息中介服务为一体的新型金融业务模式。互联网金融是金融发展和信息技术发展相结合的产物,也是我国金融体系中的重要组成部分,在社会经济发展中发挥着巨大的作用。其中,互联网支付、网络借贷和股权众筹融资是目前最常见的三种业态模式,与我们生活最紧密相关。然而,由于互联网金融监管的法律体系不完善,相关法律法规不健全,一定程度上制约了其进一步发展。因此,本论文希望通过一定的研究,来对互联网金融监管的法律规制提出完善建议,从而减少互联网金融发展的阻碍,促进互联网金融的健康快速发展。论文以互联网支付、网络借贷、股权众筹融资为中心,从互联网金融基础理论谈起,介绍了互联网金融的特征、模式等,目的是通过概要性的分析,扫除互联网金融方面的“盲区”以及认识误区。接着研究我国互联网金融监管监管主体的现状和监管法律制度的现状,可知目前我国对于互联网金融监管的监管主体存在职权不清、多头监管等问题,而法律制度也尚不健全,虽有部分针对互联网金融监管制度的规定散见于各种法律法规中,但由于立法和监管的滞后,导致缺乏一套专门性法律体系来规制监管中出现的问题,致使我国互联网金融潜在的风险不断积累,产生了诸如不正当竞争、互联网金融消费者的权益受到损害等各种问题,可见加强我国互联网金融的监管存在相当的必要性。对此,文中通过比较美国、英国、德国、欧盟等国家及地区的法治实践状况,总结了国外的成功经验,希望通过借鉴其完善法律体系、确立监管模式、坚固互联网“防火墙”几方面的经验来完善我国的互联网金融法律监管制度。本文在最后部分提出了几点建议作为研究结论,一是设立专门的政府监管机构,从而保障监管的顺利进行;二是建立互联网金融监管法律体系,来为互联网金融的健康发展保驾护航;三是加强征信体系的法律建设,以提高互联网金融交易的效率并有效管理互联网金融市场;四是加强参与者信息保护的法律监管,以保障互联网金融参与者的合法权益;五是发挥司法能动作用,及时对互联网金融市场出现的问题进行监管;六是创新监管模式,发动群众打击涉及互联网金融的违法行为;七是实行行业自治,充分发挥行业组织促进互联网金融健康发展的作用。最后,希望本篇论文能为相关部门在制定互联网金融监管法律法规时提供一定的借鉴,从而使我国的互联网金融更健康良性地发展。
[Abstract]:Internet finance is a new financial business model, which is supported by Internet technology and information communication technology, and realizes the financing, payment, investment and information intermediary service of traditional financial institutions and Internet enterprises. Internet finance is the product of the combination of financial development and information technology development. It is also an important part of China's financial system and plays a great role in the development of social economy. Internet payment, online lending and crowdfunding are the three most common business models, most closely related to our lives. However, because the legal system of Internet financial supervision is not perfect and the relevant laws and regulations are not perfect, it restricts its further development to a certain extent. Therefore, this paper hopes to improve the legal regulation of Internet financial supervision through certain research, so as to reduce the obstacles to the development of Internet finance and promote the healthy and rapid development of Internet finance. Based on the basic theory of Internet finance, this paper introduces the characteristics and models of Internet finance. The purpose of this paper is to analyze the characteristics of Internet finance through a brief analysis. Wipe out the Internet finance, "blind zone" and misunderstanding. Then it studies the current situation of the main body of Internet financial supervision and the current situation of the legal system of supervision in our country. It can be seen that there are some problems such as unclear functions and powers of the subject of supervision of Internet financial supervision in our country at present, and many problems such as multi-supervision, and the legal system is not yet perfect. Although some regulations on Internet financial supervision system are scattered in various laws and regulations, due to the lag of legislation and supervision, there is a lack of a special legal system to regulate the problems in supervision. As a result of the accumulation of potential risks of Internet finance in China, such as unfair competition, the rights and interests of Internet financial consumers have been damaged, so it is necessary to strengthen the supervision of Internet finance in China. In this paper, by comparing the practice of the rule of law in the United States, the United Kingdom, Germany, the European Union and other countries and regions, the author sums up the successful experience of foreign countries and hopes to establish a regulatory model by using it as a reference to perfect the legal system. Strengthen the experience of Internet firewall to perfect the legal supervision system of internet finance in our country. In the last part of this paper, some suggestions are put forward as the conclusion of the research. One is to set up a special government regulatory agency to ensure the smooth progress of supervision, and the other is to establish a legal system of Internet financial supervision. To protect the healthy development of Internet finance; third, to strengthen the legal construction of the credit information system in order to improve the efficiency of Internet financial transactions and to effectively manage the Internet financial market; and fourth, to strengthen the legal supervision of the information protection of participants. In order to protect the legitimate rights and interests of Internet financial participants, the fifth is to give full play to the role of judicial initiative, timely supervision of the Internet financial market problems, sixth, innovative regulatory model, mobilize the masses to crack down on illegal acts involving Internet finance; Seventh, practice industry autonomy, give full play to the role of industry organizations to promote the healthy development of Internet finance. Finally, I hope this paper can provide some reference for relevant departments in formulating laws and regulations of Internet financial supervision, so as to make our country's Internet finance develop more healthily and healthily.
【学位授予单位】：河南财经政法大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.28

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