互联网金融政府监管研究

发布时间：2018-03-14 15:44

本文选题：互联网金融　切入点：金融监管　出处：《山东大学》2017年硕士论文　论文类型：学位论文

【摘要】：近年来,互联网金融凭借便利、快捷、高效、低成本等一系列优势,颠覆了以往的金融支付和交易方式,给传统金融机构和金融体系带来巨大冲击,并呈现出混业经营、国际化等发展特点。在高速发展的同时,由于法律体系不健全、监管滞后、内控不健全、行业自律缺失等原因,互联网金融机构也面临着诸多风险。与美国、英国等发达国家相比,我国互联网金融监管还存在突出问题。金融业具有很强的外部性,互联网金融乱象已然影响到我国金融的稳定。对相关问题展开研究,改进完善我国互联网金融监管,既有理论意义,又有实践价值。本文把具有规模效应和低边际成本的金融服务看作具有非排他性、弱竞争性的公共产品,将金融监管看作政府干预市场、提高资源配置效率、缓解市场失灵的有效手段,综合运用政治学、管理学、经济学、金融学等理论,从我国互联网金融发展与监管的现状出发,勾勒出当前监管体制存在的问题,给出强化我国互联网金融监管的政策建议,以期实现互联网金融创新得到充分鼓励、风险问题得到有效处置、违法犯罪行为大幅减少、市场信心有效增强、消费者合法权益得到充分保护的良好局面。本文分为五章。第一章是绪论,主要介绍了研究的目的、意义、方法和创新点,并对国内外研究现状进行了梳理。第二章从现状、特点、风险三个角度论证互联网金融监管的必要性,采用案例研究法,从互联网金融不同表现形式入手,介绍了互联网金融发展现状,并以案例说明了互联网金融所面临的流动性风险、信用风险、声誉风险、科技风险、合规风险和操作风险。第三章综合分析了我国互联网金融监管现状,从法律法规体系不健全、监管主体间协调难度大、容易导致重复监管和监管真空、监管与创新不够协调、行业自律不到位等五个方面总结了存在的问题。第四章采用比较研究法,在借鉴美国、英国互联网金融监管经验的基础上,给出了强化我国互联网金融监管的政策建议。第五章给出了本文的结论与展望。本文的创新点在于从我国互联网金融发展和"一行三会、垂直分业"的监管体制现状出发,对已发布的互联网金融监管政策法规进行了较为全面的梳理,对中央金融监管部门、地方金融监管部门、行业自律组织在互联网金融监管中应当发挥的作用进行了较为深入的探索。本文按照从宏观到微观、从顶层到基层、从理念到操作的原则,从"法律、原则、机制、实务、环境"五个方面给出了强化我国互联网金融监管的政策建议,具有较强的可操作性。
[Abstract]:In recent years, Internet finance, by virtue of a series of advantages, such as convenience, speed, efficiency, low cost and so on, has overturned the past financial payment and transaction methods, which has brought great impact to the traditional financial institutions and financial system, and presented a mixed operation. Internationalization and other characteristics of development. At the same time of rapid development, Internet financial institutions are also facing many risks because of the imperfect legal system, lagging supervision, imperfect internal control, lack of self-discipline in the industry, and so on. Compared with Britain and other developed countries, there are still outstanding problems in the supervision of Internet finance in our country. The financial industry has a strong externality, and the chaos of Internet finance has affected the stability of our financial system. Improving and perfecting China's Internet financial supervision has both theoretical significance and practical value. This paper regards financial services with scale effect and low marginal cost as non-exclusive and weakly competitive public goods. Taking financial supervision as an effective means for government to intervene in the market, to improve the efficiency of resource allocation and to alleviate the market failure, and to apply the theories of politics, management, economics, finance and so on, from the current situation of the development and supervision of Internet finance in China. This paper outlines the problems existing in the current regulatory system, and puts forward some policy suggestions for strengthening the supervision of Internet finance in China, in order to encourage the Internet financial innovation to be fully encouraged, to deal with the risk problems effectively, and to reduce the illegal and criminal activities substantially. This paper is divided into five chapters. The first chapter is the introduction, which mainly introduces the purpose, significance, method and innovation of the research. The second chapter demonstrates the necessity of Internet financial supervision from three angles: current situation, characteristics and risks, using case study method, starting with different manifestations of Internet finance. This paper introduces the current situation of Internet finance development, and illustrates the liquidity risk, credit risk, reputation risk, scientific and technological risk faced by Internet finance. The third chapter comprehensively analyzes the current situation of Internet financial supervision in China. From the aspects of imperfect laws and regulations, the coordination between the regulatory bodies is difficult, it is easy to lead to repeated supervision and regulatory vacuum, supervision and innovation is not coordinated. Chapter 4th uses comparative research method to learn from the experience of Internet financial supervision in the United States and Britain. This paper puts forward some policy suggestions to strengthen the supervision of Internet finance in China. Chapter 5th gives the conclusion and prospect of this paper. The innovation of this paper lies in the development of Internet finance in China and the present situation of supervision system of "one line, three sessions, vertical separation". Has carried on the relatively comprehensive combing to the published Internet financial supervision policy and regulation, to the central financial supervision department, the local financial supervision department, The role that industry self-discipline organizations should play in Internet financial supervision has been explored in depth. According to the principles from macro to micro, from the top to the grass roots, from concept to operation, this paper goes from "law, principle, mechanism, practice," This paper puts forward some policy suggestions on strengthening internet financial supervision in China from five aspects of environment, and it has strong maneuverability.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.1

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