互联网金融监管与传统金融监管比较

发布时间：2018-01-01 22:20

本文关键词：互联网金融监管与传统金融监管比较　出处：《学术交流》2017年01期 　论文类型：期刊论文

【摘要】：互联网金融是依托互联网发展和运行的金融现象,它与传统金融的最大区别在于依托媒介不同。在传统金融中,更多强调的是资金需求双方以金融机构这个实体为中介,而当今热谈的互联网金融则主要是指互联网在金融活动中中介化。由于互联网金融在内容、形式等方面与传统金融具有很大不同,这使传统金融监管并不完全适用于互联网金融,两者在监管目标、模式选择、监管方法及监管边界等方面均存在差异。这更凸显了创新传统金融监管以适应互联网金融的动力和必要性。
[Abstract]:Internet finance is a financial phenomenon which depends on the development and operation of the Internet. The biggest difference between Internet finance and traditional finance lies in the difference of relying on media. More emphasis is placed on the financial needs of both parties to the financial institutions as an intermediary, and the Internet finance hot talk is mainly refers to the Internet in financial activities intermediary. Because Internet finance in the content. Form and other aspects are very different from the traditional finance, which makes the traditional financial supervision is not fully applicable to Internet finance, both in the regulatory objectives, mode choice. There are differences in regulatory methods and regulatory boundaries, which highlights the driving force and necessity of innovating traditional financial regulation to adapt to Internet finance.
【作者单位】：吉林大学中国国有经济研究中心;
【基金】：教育部人文社会科学重点研究基地重大项目“中国国有资产管理制度创新研究”(11JJD790039) 吉林省软科学研究项目“吉林省完善中小企业技术创新服务平台体系研究”(20120608)
【分类号】：F724.6;F832.1
【正文快照】： 互联网金融是近年来我国经济发展中产生的新金融业态,是在金融抑制大背景下应运而生的,它与传统金融是相对而言的。传统金融强调的是资金需求双方以金融机构这个实体为中介,而互联网金融作为一种与网络高度结合的金融方式,最大特点是金融互联网化,资金需求双方或多方以及金融

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