基于我国互联网金融风险特殊性的监管模式研究
发布时间：2019-02-24 09:12
【摘要】：最近几年以来,随着互联网技术,特别是移动互联网的迅猛发展,我国的互联网金融业爆发式的成长。网络支付、网络借贷(P2P)、股权众筹融资和网络金融产品销售等业务均呈现高速增长的态势。诚然,互联网金融的确提升了各项金融服务的效率,帮助减少了交易过程中的成本并且对普惠金融的发展起到了重要的推动作用。但是,互联网金融还是金融,金融所具有的风险特点互联网金融仍然具备。不仅如此,由于互联网金融是依托互联网技术而产生的业态,因此互联网的风险特点也叠加在一般金融风险之上,形成了许多互联网金融特有的风险特性。由于互联网金融的风险具有特殊性,与传统金融的风险有所差异,因此套用传统的监管模式和手段在很多情况下无法起到有效的监管作用,而过多的使用行政手段和临时性强制监管措施也不利于推进行业创新和激发市场活力。鉴于此,本文在对现有互联网金融风险和监管之研究观点和成果的基础上,通过对比分析和案例研究,证明互联网金融风险确实存在特殊性,并归纳梳理出其风险特殊性体现在哪些方面。而后,就现行监管制度对互联网金融监管不力的实际情况,结合互联网金融监管的国际经验,对我国互联网金融的监管政策提出一些具体而有效的建议。
[Abstract]:In recent years, with the rapid development of Internet technology, especially mobile Internet, the Internet financial industry in China has exploded. Network payment, network loan (P2P), equity raising and financing and network financial products sales are all showing a rapid growth trend. To be sure, Internet finance does improve the efficiency of financial services, help reduce transaction costs and play an important role in the development of inclusive finance. However, Internet finance or finance, the financial risk characteristics of Internet finance still has. Not only that, because Internet finance is based on Internet technology, the risk characteristics of Internet are also superimposed on general financial risks, forming a lot of unique risk characteristics of Internet finance. Because of the particularity of the risk of Internet finance and the difference between the risk of traditional finance and the risk of traditional finance, the application of traditional supervision mode and means can not play an effective regulatory role in many cases. The excessive use of administrative measures and temporary compulsory regulatory measures are also not conducive to industry innovation and stimulate market vitality. In view of this, this paper based on the existing Internet financial risk and supervision of the research point of view and results, through comparative analysis and case studies, prove that Internet financial risk does exist particularity. And summarizes its risk particularity manifests in which aspect. Then, according to the actual situation that the current supervision system does not supervise the Internet finance effectively, combined with the international experience of Internet financial supervision, this paper puts forward some concrete and effective suggestions on the supervision policy of our country's Internet finance.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.1
，
本文编号：2429398
[Abstract]:In recent years, with the rapid development of Internet technology, especially mobile Internet, the Internet financial industry in China has exploded. Network payment, network loan (P2P), equity raising and financing and network financial products sales are all showing a rapid growth trend. To be sure, Internet finance does improve the efficiency of financial services, help reduce transaction costs and play an important role in the development of inclusive finance. However, Internet finance or finance, the financial risk characteristics of Internet finance still has. Not only that, because Internet finance is based on Internet technology, the risk characteristics of Internet are also superimposed on general financial risks, forming a lot of unique risk characteristics of Internet finance. Because of the particularity of the risk of Internet finance and the difference between the risk of traditional finance and the risk of traditional finance, the application of traditional supervision mode and means can not play an effective regulatory role in many cases. The excessive use of administrative measures and temporary compulsory regulatory measures are also not conducive to industry innovation and stimulate market vitality. In view of this, this paper based on the existing Internet financial risk and supervision of the research point of view and results, through comparative analysis and case studies, prove that Internet financial risk does exist particularity. And summarizes its risk particularity manifests in which aspect. Then, according to the actual situation that the current supervision system does not supervise the Internet finance effectively, combined with the international experience of Internet financial supervision, this paper puts forward some concrete and effective suggestions on the supervision policy of our country's Internet finance.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.1
，
本文编号：2429398
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