互联网金融的顺周期性风险和逆周期监管研究

发布时间：2018-04-30 14:39

  本文选题：互联网金融 + 顺周期性效应与风险　； 参考：《经济体制改革》2017年04期

【摘要】：互联网金融是网络时代金融业的重大创新,它的运行具有重要价值。但互联网金融在经济的顺周期性效应下蕴藏着巨大的风险,为了保证金融的健康运行,必须进行逆周期监管。本文分析了互联网金融顺周期性效应问题,揭示了互联网金融在顺周期性效应下的运行风险及其特点,基于此,建议建立顺周期效应下互联网金融运行的专业化监管机构,加强顺周期效应下互联网金融运行的信息网络化建设,完善顺周期性下互联网金融运行的动态拨备计提制度,加强互联网金融运行的风险预警与安全评估机制,以及加强立法监管等缓释互联网金融顺周期性风险。
[Abstract]:Internet finance is a major innovation of the financial industry in the network age, and its operation has important value. However, Internet finance has great risks under the pro-cyclical effect of economy. In order to ensure the healthy operation of finance, countercyclical supervision must be carried out. This paper analyzes the problem of the procyclical effect of Internet finance, reveals the operational risk and its characteristics of Internet finance under the procyclical effect, and based on this, proposes to establish a specialized regulatory body for the operation of Internet finance under the procyclical effect. Strengthen the information network construction of Internet financial operation under the procyclical effect, perfect the dynamic provision and provision system of Internet financial operation under the pro-cyclicality, and strengthen the risk warning and security assessment mechanism of Internet financial operation. As well as strengthening legislative supervision and other mitigation of Internet finance pro-cyclical risk.
【作者单位】： 浙江大学管理学院;
【基金】：国家社会科学基金项目“逆周期视野下我国的金融监管研究”(15CJY084)
【分类号】：F724.6;F832
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本文编号：1824958