基于标准化管理理念的互联网金融监管问题研究

发布时间：2018-06-03 13:23

本文选题：互联网金融 + 标准化监管　；参考：《广东财经大学》2017年硕士论文

【摘要】：自2013年起,互联网金融作为一种新兴业态在我国迅猛发展,但由于缺乏必要的监管规制体系,在其发展初期乱象频生,严重破坏了我国金融市场秩序,且影响到了互联网金融行业的健康持续发展。因此,本人站在标准与标准化制度经济学的角度,提出以标准化管理理念来对互联网金融实施标准化监管的监管思路,希望能为互联网金融的监管工作提供一种规范化、科学化的监管方案与思路模型,为我国互联网金融的健康发展与有效监管尽一份力量。互联网金融标准化监管的核心内容就是在标准化监管框架下,以实现互联网金融行业的“最佳秩序并取得最佳的共同利益”为目标,依靠完善的监管法规、技术标准和行为规范对互联网金融的发展进行事前规制和动态监管,保证互联网金融的可持续健康发展。本文采用文献分析法、标准化科学分析法,透视了我国互联网金融的发展规模和标准化现状、辨析了标准化监管的主客体、构建了标准化监管的组织架构并对互联网金融的标准化监管模式进行了机理分析;进而提出了三种具体的标准化监管方式;分析了自2016年4月开始的互联网金融专项整治工作的标准化监管实效;最后从如何树立标准化监管思维、如何修改和完善监管政策法规、如何加强对投融资主体的风险教育和如何促进互联网金融标准化发展等方面提出了相应的政策建议。
[Abstract]:Since 2013, Internet finance has been developing rapidly in China as a new form of business. However, due to the lack of necessary regulatory system, chaos frequently occurs in the early stage of its development, which seriously undermines the order of financial market in China. And affected the healthy and sustainable development of the Internet financial industry. Therefore, from the point of view of standard and standardized institutional economics, I put forward the idea of standardizing the supervision of Internet finance with the idea of standardized management, hoping to provide a kind of standardization for the supervision of Internet finance. The scientific supervision scheme and thought model contribute to the healthy development and effective supervision of Internet finance in China. The core content of the standardized supervision of Internet finance is to realize the "best order and obtain the best common interests" of the Internet financial industry under the framework of standardized supervision, and to rely on the perfect supervision and regulations. Technical standards and codes of conduct regulate the development of Internet finance in advance and dynamically to ensure the sustainable and healthy development of Internet finance. This paper uses literature analysis method and standardized scientific analysis method to analyze the development scale and standardization status of Internet finance in China, and analyzes the subject and object of standardization supervision. The organizational structure of standardized supervision is constructed, and the mechanism of standardized supervision mode of Internet finance is analyzed, and then three kinds of standardized supervision modes are put forward. This paper analyzes the effectiveness of standardization supervision in the special regulation of Internet finance since April 2016, and finally, from how to set up the thinking of standardization supervision, how to modify and perfect the supervision policies and regulations, How to strengthen the risk education of investment and financing subjects and how to promote the development of Internet finance standardization are put forward.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.1

【参考文献】