黑龙江省互联网金融风险的政府监管研究

发布时间：2018-03-21 10:31

本文选题：互联网金融　切入点：金融风险　出处：《哈尔滨商业大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着互联网时代的快速到来,我国互联网金融企业得到蓬勃发展。互联网金融企业是对传统金融行业的创新,改变了原有金融行业的生态环境。与此同时,互联网金融在创新的过程中凸显出许多问题,这是对传统金融业的挑战,也是对包括银行业、证券、保险等传统金融业的颠覆,不管是最早的余额宝还是现在大热的P2P,再到最近兴起的众筹或者大数据基金,互联网金融爆发式的发展已经影响到了我们的经济生活。互联网金融风险—旦出现更是比传统金融风险更为复杂。据网贷之家数据统计2016年12月我国问题平台共3429家,新增问题平台增长率58.35%。这已经折射出互联网金融风险的严重性。我国对互联网金融风险的监管策略远落后于互联网金融的发展速度,由此导致互联网金融在发展过程中存在许多潜在性问题,给它的快速发展埋下隐患,如果不能妥善控制和防范互联网金融风险的发生,不仅影响我国金融业的有序发展,甚至影响国际市场的经济秩序。文章主要研究黑龙江省政府如何对互联网金融风险进行监管,运用管理学、金融学的有关理论分析,简单介绍了互联网金融风险的内涵、互联网金融风险的种类和互联网金融风险的特点,着重研究黑龙江省互联网金融在网络支付、网络借贷、众筹融资和其他网络融资等方面的监管现状。文章以互联网金融参与者和互联网金融消费者为主线,挖掘黑龙江省政府在互联网金融风险监管方面存在的主要问题,主要有地方性法律不健全、政府对科技风险的监管手段落后、政府行业自律和行业协同效率不高和对消费者权益保护不到位等问题,并详细分析了存在问题的主要原因。通过美国、英国和法国等政府对互联网金融风险的监管经验借鉴,提出了黑龙江省政府在互联网金融风险的监管中对策建议。包括完善黑龙江省地方性法律法规、构建全方位立体的风险监管体系、加快推进黑龙江省互联网金融信息技术安全建设、增加监管人员的队伍建设和加强互联网金融消费者的权益保护。希望文章的研究成果能为黑龙江省互联网金融风险的政府监管提供理论依据及有益参考。
[Abstract]:With the rapid arrival of the Internet era, the Internet financial enterprises in China have been flourishing. Internet financial enterprises are the innovation of the traditional financial industry, which has changed the ecological environment of the original financial industry. Internet finance has highlighted many problems in the process of innovation. This is a challenge to the traditional financial industry, and it is also a subversion of the traditional financial sector, including banking, securities, insurance, and so on. Whether it was Yu'e Bao, the earliest, or P2P, which is now hot, to the recently rising crowdfunding or big data Foundation, The explosive development of Internet finance has affected our economic life. The emergence of Internet financial risk is more complicated than traditional financial risk. According to the data of Internet loan House, in December 2016, there were 3 429 problem platforms in our country. The growth rate of the new problem platform is 58.35. this has already reflected the seriousness of Internet financial risks. China's supervision strategy for Internet financial risks lags far behind the development of Internet finance. As a result, there are many potential problems in the development of Internet finance. If the risks of Internet finance can not be properly controlled and prevented, it will not only affect the orderly development of financial industry in China. Even affecting the economic order of the international market. This paper mainly studies how the Heilongjiang Provincial Government supervises the Internet financial risks, and introduces the connotation of the Internet financial risks by using the relevant theoretical analysis of management and finance. The types of Internet financial risks and the characteristics of Internet financial risks, focusing on the study of Internet finance in Heilongjiang Province in network payment, network lending, The article takes Internet financial participants and Internet financial consumers as the main line to explore the main problems of the Heilongjiang Provincial Government in the supervision of Internet financial risks. The main problems are that the local laws are not perfect, the government's regulatory measures for scientific and technological risks are backward, the government industry self-discipline and industry coordination efficiency is not high, and the protection of consumers' rights and interests is not in place. The main reasons for the problems are analyzed in detail. Through the experience of the governments of the United States, the United Kingdom and France on the supervision of Internet financial risks, The countermeasures and suggestions of Heilongjiang provincial government in the supervision of Internet financial risk are put forward, including perfecting the local laws and regulations of Heilongjiang Province, constructing a comprehensive and three-dimensional risk supervision system, Speed up the construction of Internet financial and information technology security in Heilongjiang Province, It is hoped that the research results of this paper can provide theoretical basis and useful reference for the government supervision of Internet financial risk in Heilongjiang Province.
【学位授予单位】：哈尔滨商业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.1

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