如何将互联网金融业务纳入宏观审慎管理框架——基于宏观审慎政策框架理论和实践的分析

发布时间：2018-01-13 19:10

本文关键词：如何将互联网金融业务纳入宏观审慎管理框架——基于宏观审慎政策框架理论和实践的分析　出处：《上海金融》2017年11期 　论文类型：期刊论文

【摘要】：2008年国际金融危机爆发后各国纷纷探索构建宏观审慎监管框架。我国近年来一直在积极探索建立并不断完善宏观审慎监管框架。近期,人民银行在全球首次提出要探索将规模大、具有系统重要性的互联网金融业务纳入宏观审慎管理框架。推动落实这一创新举措面临较多未知挑战,建立相应配套政策体系。主要包括:一是构建系统重要性互联网金融业务评估体系;二是构建基于互联网金融的MPA子系统;三是建立健全互联网金融行业基础设施;四是开发能够有效调节互联网金融业务的宏观审慎工具箱;五是构建完善的宏观审慎政策协调机制。
[Abstract]:In 2008 after the outbreak of international financial crisis countries establish macro prudential regulatory framework. In recent years China has been actively exploring the establishment and perfection of macro Prudential framework. Recently, the people's Bank for the first time proposed to explore the large scale in the world, with the importance of Internet banking system into the framework of macro Prudential Management to promote the implementation of the innovation. Action is facing more challenges unknown, establish corresponding policy system. Mainly includes: one is to establish an evaluation system of system of the importance of the Internet financial services; two is the construction of MPA system based on Internet finance; the three is to establish and perfect the financial sector of the Internet infrastructure; the four is to develop the macro Prudential toolbox effectively regulate the Internet financial services; the five is to build the mechanism of macro Prudential policy coordination and improve.

【作者单位】：中国互联网金融协会;江苏省社会科学院经济研究所;
【分类号】：F724.6;F832.2
【正文快照】： 一、引言近年来,随着大数据、云计算、人工智能、区块链等一系列技术广泛应用于支付清算、融资借贷、投资管理和保险等诸多金融领域,国内互联网金融快速发展,同时也暴露出一些问题。国家相关部门迅速出台措施进行规制和管理:2015年7月,中国人民银行等十部委联合印发了《关于

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