互联网金融理财法律规制探析

发布时间：2017-12-31 15:40

本文关键词：互联网金融理财法律规制探析　出处：《华东师范大学》2015年硕士论文　论文类型：学位论文

【摘要】：站在互联网高速发展的风口上,我国金融理财行业顺势飞翔。近年来,以“余额宝”、“人人贷”为代表的互联网金融理财产品和服务正逐渐成为主流理财方式,它们在年轻人中特别受青睐。究其缘由,主要是其门槛低、操作易、收益大、进出快的特点抓住了投资者的心。然而,在其飞速发展的背后,藏着许多被人忽视的风险及法律规制上的空白。如何构建一个自由、安全、健康的市场运行环境,是确保互联网金融理财市场可持续发展的重要课题。本文分为如下五个部分对这个问题进行论述：绪论部分主要阐释本文的研究背景、研究现状、研究方法以及创新与不足之处,对本文的研究情况进行一个简单的介绍。第一章主要论述了互联网金融理财与传统金融理财之间的关系。通过对两者概念、特征及各自发展历史的阐述来引出互联网金融理财真正的含义,即金融投资者利用互联网技术,通过互联网金融平台,实现财富管理与增值目的的金融活动。互联网金融理财的发展起点在于“民心”。同时还指出了在快速发展过程中产生的几对矛盾使互联网金融理财法律规制不得不加快步伐,约束行业的“野蛮成长”。第二章通过对余额宝和P2P网贷平台的深入分析来加深论述对互联网金融理财市场进行法律规制的重要性和急迫性。第三章主要归纳了我国互联网金融理财市场运作中可能产生的风险,并从立法、监管、救济三个方面论述我国互联网金融理财法律规制的问题所在。第四章主要论述了如何对我国互联网金融理财市场进行法律规制。提出要坚持自由创新的核心基调,同时以兼顾安全与效益作为法律规制的目标。在立法上,以分类规范为基础,加快互联网金融统合立法；在监管上,以协调、公平、透明为原则,借鉴国际相关经验,从进入、运作、退出三方面加强监管；在救济方面,要强化对投资者信息安全、财产安全、救济途径上的保护,同时应加强投资者教育,提升风险防范意识及法律保护意识。
[Abstract]:Standing in the tuyere of the rapid development of the Internet, the financial management industry of our country is flying smoothly. In recent years, with "Yu'e Bao". "peer-to-peer lending" represented by the Internet financial products and services are gradually becoming the mainstream financial management methods, they are particularly popular among young people. The main reason is its low threshold, easy to operate, and large profits. However, behind its rapid development, there are many neglected risks and gaps in legal regulation. How to build a free, safe. A healthy market operating environment is an important issue to ensure the sustainable development of Internet financial markets. This paper is divided into five parts to discuss this issue: the introduction mainly explains the research background of this paper. Research status, research methods and innovations and shortcomings. The first chapter mainly discusses the relationship between Internet financial management and traditional financial management. The characteristics and development history of the real meaning of Internet financial management, that is, financial investors to use Internet technology, through the Internet financial platform. Financial activities to realize the aim of wealth management and appreciation. The starting point of the development of internet financial management lies in the "popular sentiment" At the same time, it also points out that several pairs of contradictions in the process of rapid development have made the legal regulation of Internet financial management have to speed up the pace. Constraining the "savage growth" of the industry. The second chapter discusses the importance and urgency of the legal regulation of the Internet financial management market through the in-depth analysis of Yu'e Bao and P2P network loan platform. Chapter three mainly sums up the Internet financial management in China. The risks that may arise from the operation of the market. And from legislation to regulation. Chapter 4th mainly discusses how to regulate the Internet financial management market in China, and puts forward the core tone of free innovation. . At the same time, taking the consideration of security and efficiency as the goal of legal regulation. In legislation, on the basis of classifying norms, speeding up the legislation of Internet financial integration; In the aspect of supervision, we should take coordination, fairness and transparency as the principles, learn from the relevant international experience, and strengthen supervision from three aspects: entry, operation and withdrawal; In the aspect of relief, we should strengthen the protection of investors' information security, property security and remedy way, and at the same time, we should strengthen investor education, raise the awareness of risk prevention and legal protection.
【学位授予单位】：华东师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

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