中国互联网金融之STS视角解析
发布时间：2018-11-14 11:52
【摘要】：自余额宝、借贷宝等互联网金融产品在中国迅速发展以来,互联网金融的问题诸如技术存在漏洞、互联网金融产品设计不完善、互联网金融公司主体信息安全标识不明确、互联网金融监管职责不明确等现实问题层出不穷。互联网金融问题能否得到解决关乎到中国金融业的健康稳定发展。在互联网金融快速发展的背景下,本研究以互联网金融为主体出发运用文献研究法和系统分析法对中国互联网金融进行STS视角解析,探讨并提出问题,最终得出解决方案,以期为中国互联网金融的健康发展提供一定的理论支持。对中国互联网金融进行STS视角解析通过对互联网金融公司主体、互联网金融使用主体、互联网金融监管主体三个方面出发来阐述互联网金融需要以什么样的知识为指引,需要以什么样的技术为基础、需要以什么样的制度为保障从而促进互联网金融的安全健康发展。在此基础上分别对互联网金融的三大主体存在的软件技术漏洞、硬件技术问题、金融产品设计不完善、信息安全标识不明确、监管方式落后等问题提出解决方案。如今互联网金融在现代社会扮演的角色越来越重要。中国互联网金融是否健康发展直接影响我国在国际经济中的地位。中国互联网金融公司主体需要遵守制度并且以先进的科学知识和技术为基础发明优秀的互联网金融产品,互联网金融的使用主体需要遵守制度,并掌握知识和技术从而更好地使用互联网金融产品。而互联网金融监管主体应该建立完善的制度为互联网金融的健康发展提供保障。中国互联网金融主体需要以科学知识作为指引、先进的技术作为支撑、优秀的制度作为保障,从而实现互联网金融的健康发展。
[Abstract]:Since the rapid development of Internet financial products such as Yu'e Bao and Laibao in China, the problems of Internet finance, such as the existence of loopholes in technology, the imperfect design of Internet financial products, and the unclear information security identification of the main body of Internet financial companies, Internet financial supervision responsibilities are not clear and other practical issues emerge in endlessly. Whether the Internet financial problems can be solved is related to the healthy and stable development of China's financial industry. Under the background of the rapid development of Internet finance, this study uses literature research and system analysis to analyze Chinese Internet finance from the perspective of STS, discusses and puts forward problems, and finally comes up with a solution. With a view to providing certain theoretical support for the healthy development of Internet finance in China. From the perspective of STS, this paper expounds what kind of knowledge Internet finance should be guided by from three aspects: the main body of Internet finance company, the main body of Internet financial use, and the subject of Internet financial supervision. In order to promote the safe and healthy development of Internet finance, what kind of technology should be taken as the basis and what kind of system should be taken as the guarantee. On this basis, the solutions to the three main problems of Internet finance, such as software technology loopholes, hardware technical problems, imperfect design of financial products, unclear information security labels and backward supervision methods, are put forward respectively. Nowadays, Internet finance plays a more and more important role in modern society. Whether China's Internet finance develops healthily directly affects our country's position in the international economy. The main bodies of Chinese Internet finance companies need to abide by the regulations and invent excellent Internet financial products on the basis of advanced scientific knowledge and technology, and the users of Internet finance need to abide by the system. And master knowledge and technology to better use Internet financial products. The main body of Internet financial supervision should establish perfect system to guarantee the healthy development of internet finance. In order to realize the healthy development of Internet finance in China, the main body of Internet finance should be guided by scientific knowledge, supported by advanced technology and guaranteed by excellent system.
【学位授予单位】：沈阳工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832
本文编号：2331077
[Abstract]:Since the rapid development of Internet financial products such as Yu'e Bao and Laibao in China, the problems of Internet finance, such as the existence of loopholes in technology, the imperfect design of Internet financial products, and the unclear information security identification of the main body of Internet financial companies, Internet financial supervision responsibilities are not clear and other practical issues emerge in endlessly. Whether the Internet financial problems can be solved is related to the healthy and stable development of China's financial industry. Under the background of the rapid development of Internet finance, this study uses literature research and system analysis to analyze Chinese Internet finance from the perspective of STS, discusses and puts forward problems, and finally comes up with a solution. With a view to providing certain theoretical support for the healthy development of Internet finance in China. From the perspective of STS, this paper expounds what kind of knowledge Internet finance should be guided by from three aspects: the main body of Internet finance company, the main body of Internet financial use, and the subject of Internet financial supervision. In order to promote the safe and healthy development of Internet finance, what kind of technology should be taken as the basis and what kind of system should be taken as the guarantee. On this basis, the solutions to the three main problems of Internet finance, such as software technology loopholes, hardware technical problems, imperfect design of financial products, unclear information security labels and backward supervision methods, are put forward respectively. Nowadays, Internet finance plays a more and more important role in modern society. Whether China's Internet finance develops healthily directly affects our country's position in the international economy. The main bodies of Chinese Internet finance companies need to abide by the regulations and invent excellent Internet financial products on the basis of advanced scientific knowledge and technology, and the users of Internet finance need to abide by the system. And master knowledge and technology to better use Internet financial products. The main body of Internet financial supervision should establish perfect system to guarantee the healthy development of internet finance. In order to realize the healthy development of Internet finance in China, the main body of Internet finance should be guided by scientific knowledge, supported by advanced technology and guaranteed by excellent system.
【学位授予单位】：沈阳工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832
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