我国互联网金融监管现状及体系构建

发布时间：2018-03-04 09:39

本文选题：互联网金融　切入点：金融监管　出处：《财经科学》2015年09期 　论文类型：期刊论文

【摘要】：本文总结了我国互联网金融发展模式及监管现状,并分析了美国互联网金融的监管制度。研究发现:在我国互联网金融快速发展的情况下,存在着操作平台法律地位模糊、欺诈现象较普遍、立法滞后、监管体系不统一、监管力度难以把握等缺陷。美国互联网金融监管的主要思路是将其作为新兴金融业态补充到传统监管框架中,着重于监管法律制度的制定和实施,并实行分头监管与行业自律相结合的监管模式。在借鉴美国监管经验的基础上,本文从明确监管主体及监管立场、监管模式和原则、内外部控制与协调、动态监管与风险保护等五个方面提出了构建我国互联网金融监管体系的设想。
[Abstract]:This paper summarizes the development mode and supervision status of Internet finance in China, and analyzes the supervision system of Internet finance in the United States. It is found that the legal status of the operating platform is vague in the case of the rapid development of Internet finance in China. Fraud is common, legislation lags behind, supervision system is not uniform, supervision is difficult to grasp and so on. The main idea of American Internet financial supervision is to add it to the traditional regulatory framework as a new financial form. Focusing on the establishment and implementation of the regulatory legal system, and implementing the regulatory model of combining separate supervision with industry self-discipline. Based on the experience of the United States, this paper makes clear the subject and position of supervision, the mode and principle of supervision. Five aspects, including internal and external control and coordination, dynamic supervision and risk protection, are put forward to construct China's Internet financial supervision system.
【作者单位】：陕西师范大学国际商学院;
【基金】：国家社科基金资助项目“投资者行为分析与证券市场新干预主义监管”(项目编号:13FJY012) 陕西省自然科学基础研究项目“投资者情绪演化及对市场流动性影响研究”(项目编号:2015JM7367) 中央高校基本科研业务费资助项目“投资者情绪演化及对流动性影响效应研究”(项目编号:GK201503004)
【分类号】：F724.6;F832.1;D922.28

【共引文献】