我国互联网金融理财法律规制研究

发布时间：2018-09-19 06:18

【摘要】：随着人们生活水平的不断提高,投资理财的热情蔓延开来,互联网金融理财在支付方式、操作模式等方面的创新,更好地满足了金融消费者多元化的理财需求。在填补传统金融理财产品及服务中的缺陷,赋予金融理财新的生命力的同时也存在诸多问题及法律监管的不足。因此,为保障理财市场秩序及金融消费者的合法权益,加强对我国互联网金融理财的法律规制尤为重要。通过查阅文献资料,从互联网金融理财运行方式及主体间法律关系中入手,分析互联网金融理财中存在风险较大以及运行秩序不良等问题,究其原因一方面是技术性及经济性原因,另一方面则是法律在市场准入、运行、退出中出现规制缺陷,监管体系不完善,缺乏对金融消费者的保护。在此基础上,结合我国市场经济发展的趋势及互联网金融理财的特性提出加强金融理财市场监管,完善监管体系,明确经营主体责任,强化金融消费者保护措施的建议。
[Abstract]:With the continuous improvement of people's living standards, the enthusiasm for investment and financial management spreads. The innovation of Internet financial management in payment methods and operation modes better meets the diversified financial needs of financial consumers. In order to protect the order of the financial market and the legitimate rights and interests of financial consumers, it is particularly important to strengthen the legal regulation of Internet financial management in China. There are some problems in finance, such as high risk and poor operation order. The reasons are technical and economic on the one hand. On the other hand, there are regulatory defects in market access, operation and exit of law, imperfect supervision system and lack of protection for financial consumers. On this basis, combined with the development trend of China's market economy and The characteristics of Internet financial management put forward suggestions on strengthening the supervision of financial market, perfecting the supervision system, clarifying the responsibility of managers and strengthening the protection measures of financial consumers.
【学位授予单位】：西南科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.294

【相似文献】