政府对互联网金融风险监管职能研究

发布时间：2018-01-12 23:32

本文关键词：政府对互联网金融风险监管职能研究　出处：《海南大学》2017年硕士论文　论文类型：学位论文

【摘要】：互联网金融在新世纪后呈现出迅猛发展态势,并且逐渐成为了传统金融业中必不可缺的部分,存在诸多贡献,例如居民财富管理方式的多元化、小微企业融资扶持以及实体经济发展助力等等。然而在互联网金融发展的同时,一些局部金融风险开始逐渐产生,且不断增幅,并且受到了社会各界的广泛关注。本质上来看,金融风险存在一定的传染性,若是出现局部金融风险,且没有合理应对或是处理的话,势必造成全局性系统性风险的产生。这就需要进一步加强理论研究,为完善政府现有的金融监管职能提供科学的理论指导。理性经济人假设能够推动个人利己主义行为在"看不见的手"之下,对市场均衡状态实行调整与构建,只要是市场信息,就都能够利用均衡市场价格的方式予以体现。在此作用下,互联网金融监管开始愈发放任,然而,在其达到理想假设之前,市场中依旧有着各类非有效因素,造成了互联网金融无监管形势的局限,令之不具备可能性。对此,我们应当了解到,作为金融创新和风险防控的互联网金融,存在着一定的矛盾性与依赖性,在对金融创新予以强调之时,同时存在着提高风险防控能力与水平的要求,并对互联网金融监管力度予以强化,通过风险防范,实现二者平衡状态的把控与维持。我国金融业创新开始迅速发展,各类金融产品不断被研发和生产,金融活动类别愈发多元化,其表现形式则开始变得复杂、多样和隐蔽,这也造成了各类问题及弊端的产生,例如监管局限、监管真空等等,在此形势下,传统监管体系、宏观审慎管理开始面对新要求。另外则是对于互联网金融监管力度与金融监管体制变革的深化,尽可能的对一些机制与体制限制予以突破,从而实现风险的预防及化解,同时对金融变革实行推进,从而为金融体系的构建、金融风险化解以及金融生产力的发挥奠定良好基础。在互联网金融监管方面,主要是对于金融变革的强化,建立健全金融监管法律法规体系与制度,对金融监管职责做出科学安排,同时紧抓制度,通过对金融监管资源配置的优化,以及金融创新、风险防范关系的把控,令金融风险具备全覆盖特征,从而实现系统性金融风险的规避和解决。只有将金融监管的"顶层设计"和金融市场的"自主创新"结合起来,才能不断克服互联网金融发展过程中的各种问题和困难,实现风险防范、深化改革间关系的良好处理,利用政府监管职能对市场配置资源的决定性作用进行充分发挥,在提升金融体系效率的同时,促进互联网金融市场的进一步发展。本文内容,除绪论和结论外,正文包括五个部分:第一部分,分析了相关概念和基本理论。首先进行了政府职能、互联网金融、互联网金融监管风险以及互联网金融模式等相关概念的介绍及定义明确;同时基于互联网金融监管体系,对互联网金融风险管理理论依据实行了探究与分析,存在三个部分,一为科斯定理理论、二为市场失灵理论、三则是政府职能理论。第二部分,主要对政府在互联网风险方面的监管要求进行了介绍。先是互联网金融风险类别的调查与阐述;再到政府对互联网金融实行监管必要性的探究;并针对政府监管互联网金融风险,提出了相应的要求及方法。第三部分,主要对国内目前互联网金融风险的监管情况展开了探讨。先概述了国内互联网金融模式和各类监管机构,有进一步对互联网金融监管变革现状进行了介绍;除此之外,本章节还通过案例研究与阐述,实现了政府在互联网金融风险监管方面存在的弊端及问题。第四部分,重点进行了政府在互联网金融风险监管借鉴方面的介绍。以澳大利亚、日本、美国等为例,对其互联网金融监管思路实行了探究与分析,并获取到了相应结论。即法规先行,行为与审慎监管并重;公平监管,维护借贷双方利益;且就要实现多元化、集约化以及合理监管的并存。第五部分,针对政府在互联网金融监管职能方面的问题,提出了相应的解决方案与建议。它们分别是:明确监管主体;加强金融监管协调;完善法律制度建设;完善对社会征信体系的建设;建设数据系统,加强信息披露;建立消费者权益保护制度,形成完善的互联网金融监管体系。
[Abstract]:Internet banking presents a rapid development trend in the new century, and gradually become the indispensable part of the traditional financial industry, there are many contributions, such as wealth management mode of diversification, Small and micro businesses financing support and help the development of the real economy and so on. But in the financial development of the Internet at the same time, some local financial risks began to produce, and continue to increase, and has attracted extensive attention from all walks of life. In fact, there are some contagious financial risks, if the local financial risk, and there is no reasonable or to deal with the case, will cause the global systemic risk. So it is necessary to strengthen the theoretical research, provide scientific guidance in order to improve the function of governmental finance supervision. The existing rational economic man hypothesis can promote egoism behavior in the "invisible hand", The adjustment and construction of market equilibrium, as long as the market information, it will be able to use the equilibrium market price to reflect. In this role, the Internet financial supervision is becoming more and more distributed, however, before it reaches the ideal hypothesis, the market still has all kinds of non effective factors, resulting in the Internet financial supervision the situation that does not have the possibility of limitations. In this regard, we should understand that, as a financial innovation and risk control of Internet banking, there is a certain contradiction and dependence, to be strong to financial innovation, also exist to improve risk control ability and level requirements, and the supervision of the Internet to strengthen the financial risk prevention, through, realizing the balance of the two state to control and maintain. China's financial industry innovation began to develop rapidly, all kinds of financial products are financial development and production. Types of activities in the form of increasingly diverse, began to become more complex, diverse and hidden, which also caused various problems and shortcomings, such as regulatory limitations, regulatory vacuum and so on, in this situation, the traditional supervision system, macro Prudential Management began to face new requirements. The other is to deepen the reform of the supervision of Internet banking and finance the regulatory system, as far as possible to break through some of the mechanisms and institutional constraints, so as to realize the risk prevention and resolution, and the promotion of financial reform, so as to build a financial system, financial risk and financial productivity to lay a good foundation. Financial regulation in the Internet, mainly for the financial reform is to strengthen and establish and perfect the legal system of financial supervision system and make scientific arrangement of financial supervision, and grasp the system, the financial regulatory capital Optimize the allocation of resources, and the relationship between financial innovation and risk prevention to control financial risks, to have full coverage characteristics, so as to realize the systematic financial risk aversion and solve. Only the financial supervision of the top-level design of the financial market and the "independent innovation" together, in order to overcome all kinds of problems and difficulties in the development process Internet banking, the realization of risk prevention, good treatment to deepen the reform of the relationship between full play a decisive role in the functions of government regulation on market allocation of resources, enhance the efficiency of the financial system in the same time, promote the further development of the Internet Financial market. The content of this paper, apart from the introduction and conclusion, the text includes five parts: the first part analyzes the relevant concepts and basic theories. Firstly, the functions of the government, Internet banking, Internet banking and Internet banking risk supervision mode etc. The definition and clear the concept of Internet based financial supervision system; at the same time, the Internet financial risk management theory carried out research and analysis, there are three parts, one for the Kos theorem, the theory of market failure, the three is the theory of government functions. The second part, mainly on the government in the Internet risk regulatory requirements the first is introduction. And describes the survey of Internet financial risk categories; to explore the implementation of government supervision of the importance of the Internet finance; and for the government regulation of Internet financial risk, and puts forward some corresponding requirements and methods. The third part, mainly on the current regulatory situation of Internet financial risk is discussed. The first overview the domestic Internet financial model and various regulatory agencies, to further the status of Internet financial regulatory changes are introduced; besides, this chapter also. With the elaborate case study, realized the drawbacks and problems existing in the government regulation of Internet financial risk. In the fourth part, the focus of the government in the Internet financial risk supervision from the aspects of the introduction. In Australia, Japan, the United States, for example, the Internet financial regulatory ideas carried out research and analysis, and access to the corresponding conclusion. Regulations, both behavior and prudential supervision; fair, safeguard the interests of the two parties; and to achieve diversification, the coexistence of intensive and reasonable supervision. In the fifth part, aiming at the problem of the government in the Internet financial supervision function, put forward relevant solutions and ideas. They are: clear the regulatory body; strengthen financial supervision and coordination; perfecting the legal system construction; improve the construction of social credit system construction; data system, strengthen information disclosure; establish the rights and interests of consumers To protect the system and form a perfect Internet financial supervision system.

【学位授予单位】：海南大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.1

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