我国互联网金融风险分析及监管对策研究

发布时间：2018-01-11 02:10

本文关键词：我国互联网金融风险分析及监管对策研究　出处：《沈阳师范大学》2017年硕士论文　论文类型：学位论文

【摘要】：互联网金融基于互联网信息技术为客户提供高效便捷的金融服务,不断满足着人们日益多样的金融服务需求,正被越来越多的人所接受。互联网金融作为传统金融与互联网信息技术融合发展的新型服务模式,在提供高效便捷服务的同时还有效地改善了传统金融对中小企业支持力度不足的问题,大大促进了普惠金融的发展;另外,在优化资源配置方面,互联网金融也起到了重要作用。然而在互联网金融快速发展的同时,也表现出来较多问题,蕴含着较大的风险。互联网金融作为传统金融与网络技术融合的产物,决定了其既具有传统金融所蕴含的风险又具有网络技术所带来的技术风险,这就给国家对互联网金融的监管提出了新的挑战,因此,本文主要是根据对我国互联网金融的风险分析及监管现状,以西方规制经济学理论为基础尝试构建一个有效的规制机制架构,并结合世界其它国家对互联网金融监管的经验,为保障我国互联网金融的顺利健康发展提出一些建议。本文的研究成果将为我国互联网金融市场的稳定提供参考及理论借鉴。
[Abstract]:Internet finance is based on Internet information technology to provide customers with efficient and convenient financial services, constantly to meet the increasing diversity of people's financial service needs. Internet finance is being accepted by more and more people as a new service mode of traditional finance and Internet information technology. While providing efficient and convenient services, it also effectively improves the lack of support for SMEs in traditional finance, and greatly promotes the development of inclusive finance; In addition, in optimizing the allocation of resources, Internet finance also plays an important role. However, with the rapid development of Internet finance, there are also many problems. Internet finance, as a product of the fusion of traditional finance and network technology, determines that it has both the risks contained in traditional finance and the technological risks brought by network technology. This brings a new challenge to the national supervision of Internet finance. Therefore, this paper is mainly based on the risk analysis and regulatory status of Internet finance in China. Based on the theory of western regulatory economics, this paper attempts to construct an effective regulatory mechanism framework and combines the experience of other countries in the world on Internet financial supervision. In order to ensure the smooth and healthy development of China's Internet finance, some suggestions are put forward. The research results of this paper will provide reference and theoretical reference for the stability of China's Internet financial market.
【学位授予单位】：沈阳师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832

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