网络金融监管法律问题研究

发布时间：2018-06-23 16:15

本文选题：网络金融 + 金融监管　；参考：《黑龙江大学》2015年硕士论文

【摘要】：21世纪,金融逐渐成为世界经济运转的重心,对各国来说,提高技术水平和大力发展金融行业,对本国的竞争力至关重要。网络金融的发展改变了传统的交易方式,降低了原始交易的成本,提高了效率,方便了客户。网络金融的发展特点具有更新速度快、波及范围广,而法律本身也具有滞后性的特点,使得监管的难度增大。一部法律的社会效果好坏是需要经过市场的检验,完善我国网络金融监管法律体系刻不容缓。本文通过对我国网络金融的发展状况,法律制度进行深入分析,并借鉴国外的发展经验,系统地从我国的网络金融监管体系、监管手段的创新和加强国际合作等方面进行论述与分析。在宏观上应保持我国经济的稳健和合理规划网络金融的发展,鼓励创新机制、兼顾公平与效率和加强国际合作。在微观上,监管体系的完善有对网络金融的监管重大作用,尤其对市场准入、维持和退出,需要有良好的机制来规范,对消费者的保护,和对信息披露制度应作细化规定。学习国外法律具有借鉴作用的部分,对金融业的发展以及对国际金融法规和国际金融组织的建立和完善有重大促进作用。实现监管机制的高效运转,最终实现国民经济的快速有序的发展。
[Abstract]:In the 21st century, finance has gradually become the center of the world economy. To all countries, it is very important to improve the technical level and develop the financial industry. The development of network finance has changed the traditional transaction mode, reduced the cost of the original transaction, improved the efficiency and facilitated the customers. The development of network finance has the characteristics of rapid updating and wide spread, while the law itself has the characteristic of lagging behind, which makes the supervision more difficult. The social effect of a law needs to be tested by the market, and it is urgent to perfect the legal system of network financial supervision in our country. In this paper, the development of network finance in China, the legal system of in-depth analysis, and learn from the development experience of foreign countries, systematically from the network financial supervision system of our country. The innovation of regulatory means and strengthening of international cooperation are discussed and analyzed. At the macro level, we should keep our economy steady and reasonably plan the development of network finance, encourage innovation mechanism, give consideration to fairness and efficiency and strengthen international cooperation. On the micro level, the perfection of the supervision system plays an important role in the supervision of network finance, especially for market access, maintenance and withdrawal, requires a good mechanism to standardize, protect consumers, and make detailed regulations on the information disclosure system. The study of foreign laws is of great significance to the development of the financial industry and to the establishment and improvement of international financial regulations and organizations. To achieve the efficient operation of the regulatory mechanism, and ultimately to achieve the rapid and orderly development of the national economy.
【学位授予单位】：黑龙江大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

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