我国互联网金融的政府监管问题研究

发布时间：2018-01-08 16:02

本文关键词：我国互联网金融的政府监管问题研究　出处：《南京师范大学》2015年硕士论文　论文类型：学位论文

【摘要】：随着我国改革开放进程不断深入与经济体制改革日益深化,我国的金融市场和资本市场得到了良好的发展机遇。经济全球化的发展为世界金融改革与发展提供了契机。互联网技术获得了快速发展,已经深入到我国的各个经济部门和经济领域。互联网技术不仅改善了金融业务发展的基础环境,也在传统金融业务基础上衍生了诸多新型金融服务方式,直接造成金融生态环境和金融部门资源分配和资源利用方式的转变。在此背景下,互联网金融已经成为金融改革的未来发展趋势,即信息网络技术与传统金融服务相结合为广大用户提供了低成本、高效率的金融服务。整个社会走向数字化以及诸多企业都积累了巨量的用于从事金融活动的数据和风险控制工具为互联网金融的发展提供了坚实的基础。国有企业的市场化改革和经济资源从国有企业向私有企业的转移为互联网金融的发展起到了积极的促进作用。我国的互联网金融虽然赶上了新的时代发展潮流,取得了一系列成就,但在发展的过程中也保留出了诸多问题,与世界发达国家相比仍然存在着诸多差距,尤其是对互联网金融市场的政府监管方面。论文以我国互联网金融的政府监管问题作为主要研究对象,首先阐述了国内外有关互联网金融的研究成果,并介绍了互联网金融的政府监管方面的诸多理论。在综合介绍我国互联网金融自发展以来在政府监管方面的若干成绩的同时,也从监管模式、监管制度、监管原则、信用风险等方面提出了当前我国互联网金融政府监管存在的诸多不足,以国外互联网金融在第三方支付、众筹融资以及P2P借贷监管方面的经验作为参考,结合我国经济市场化和资本项目自由化改革的国情从完善互联网金融体系、政府监管的法律位阶、监管制度的完善以及各方监管力量联动方面提出了完善对策,不仅有助于丰富与完善有关我国互联网金融方面的理论研究成果,对促进我国互联网金融的政府监管方面也有着较大的实践参考价值。
[Abstract]:With the process of China's reform and opening up and deepening economic system reform deepening, China's financial market and the capital market has been a good opportunity for development. The development of economic globalization provides an opportunity for the world financial reform and development. Internet technology has obtained a rapid development, has gone deep into China's different economic sectors and economic fields. The Internet technology has not only improved the basic environment of financial business development, has spawned many new financial services in the traditional banking business on the basis of the direct cause of financial ecological environment and financial sector resource allocation and resource utilization pattern. In this context, Internet banking has become the trend of future development of financial reform, the information network technology with the traditional financial services combine to provide a low cost for the majority of users, efficient financial services. The whole society to digital Provide a solid foundation and development of many enterprises have accumulated a huge amount of data for engaging in financial activities and risk control tools for Internet banking. The transfer of market-oriented reform of state-owned enterprises and economic resources from state-owned enterprises to private enterprises for the Internet financial development has played a positive role in promoting China's Internet. Although the Financial Times caught up with the new trend of development, has made a series of achievements, but in the process of development also retained a lot of problems, compared with developed countries in the world there are still many gaps, especially for government regulation of Internet financial market. Based on the problems of government regulation of China's Internet banking as the main the object of study, first elaborated the domestic and foreign research achievements about Internet banking, and introduced many theories of government regulation of Internet banking in comprehensive aspects. Introduction of China's Internet banking since the development of government regulation of the number of results at the same time, also from the supervision mode, supervision system, supervision principle, put forward some deficiencies of the current Internet banking supervision of our country government credit risk, foreign Internet financial payment in third aspects, financing and lending P2P the regulatory experience for reference, combined with the liberalization of China's market economy and capital project conditions from the improvement of the Internet banking system, government regulation of the legal order, and improve the regulatory power parties joint supervision system puts forward the countermeasures to perfect, not only helps to enrich and perfect the relevant aspects of the theory of China's Internet banking research results, the promotion of government supervision of China's Internet banking also has practical reference value.

【学位授予单位】：南京师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D630;F724.6;F832.1

【引证文献】