互联网基金销售的法律监管探究

发布时间：2018-01-19 20:27

本文关键词： 互联网平台基金销售法律监管　出处：《华东政法大学》2014年硕士论文　论文类型：学位论文

【摘要】：互联网基金销售是指通过互联网销售基金的行为，文本主要分析基金销售机构与互联网平台合作销售基金的情况，主要以余额宝为例。作为基金销售的创新模式，一出现就伴随着争议。随着规模的迅速扩大，监管的呼声也不断加强。为了规范金融创新，保障投资者合法权益，本文试图解决其中的种种问题，使互联网基金销售在合法合规中走得更远。文章主要分为四个章节，第一章是互联网基金销售法律监管概述，第一节介绍了互联网基金销售的概念界定。第二节是互联网基金销售的特点及意义，特点包括高收益、高流动性、低门槛；意义包括提高社会闲散资金利用率，拓宽基金销售渠道。第三节是互联网基金销售的模式分析，主要以余额宝为例，介绍了余额宝的概况，主体架构及业务流程。第四节是互联网基金销售法律监管的界定，主要包括法律监管的概念，，法律监管的要素。本文第二章分析了互联网基金销售法律监管的必要性，主要从三个方面进行阐述，第一节是互联网平台的法律地位模糊，第二节是互联网基金销售宣传推介的规范性不足，第三节是互联网基金销售的交易风险亟需加强。本文第三章是互联网基金销售法律监管的比较。第一节介绍了互联网基金销售法律监管的美国经验。第二节介绍了国内实践，对我国互联网基金销售的规范体系、监管现状作了分析。本文第四章是完善互联网基金销售法律监管的构想。第一节是监管要素，从四个方面提出了完善意见，一是监管理念，确立互联网基金销售的监管原则，包括效率优先，鼓励创新，及功能监管原则；二是监管依据，制定互联网基金销售的专门规定；三是监管对象，明确互联网平台的法律定位；四是监管主体，理顺以证监会为中心的监管体系。第二节是监管机制，即进一步提高市场的规范性，包括完善市场准入机制，加强风险管理机制，及加大法规执行力度。
[Abstract]:Internet fund sales refers to the behavior of selling funds through the Internet. The text mainly analyzes the cooperation of fund sales agencies and Internet platforms in the sale of funds. Mainly take Yu'e Bao as an example. As an innovative model of fund sales, as soon as the emergence of controversy. With the rapid expansion of the scale, the voice of regulation has been strengthened. In order to standardize financial innovation. In order to protect the legitimate rights and interests of investors, this paper tries to solve the problems and make the sales of Internet funds go further in the legal compliance. The article is mainly divided into four chapters, the first chapter is an overview of the legal supervision of Internet Fund sales, the first section introduces the concept of Internet Fund sales. The second section is the characteristics and significance of Internet Fund sales. Features include high returns, high liquidity, low thresholds; The third section is the model analysis of Internet fund sales, mainly taking Yu'e Bao as an example to introduce the general situation of Yu'e Bao. Section 4th is the definition of legal supervision of Internet fund sales, including the concept of legal supervision and the elements of legal supervision. The second chapter analyzes the necessity of legal supervision of Internet Fund sales, mainly from three aspects, the first section is the legal status of the Internet platform is vague. The second section is the lack of standardization of marketing promotion of Internet funds, and the third section is that the transaction risk of Internet fund sales needs to be strengthened. The third chapter is the comparison of the legal regulation of the sale of Internet funds. The first section introduces the American experience of the legal regulation of the sale of Internet funds. The second section introduces the domestic practice. This paper analyzes the normative system and supervision status of internet fund sales in China. Chapter 4th is the concept of perfecting the legal supervision of Internet Fund sales. The first section is the regulatory elements, from four aspects to improve the views, the first is the concept of supervision, the establishment of the principles of supervision of Internet Fund sales. Including efficiency priority, encouraging innovation, and functional regulatory principles; Second, the basis of supervision and development of the Internet Fund sales special provisions; Third, the object of supervision and the legal position of Internet platform; The second section is the regulatory mechanism, that is, to further improve the regulation of the market, including improving the market access mechanism, strengthening risk management mechanism. And increase the enforcement of laws and regulations.
【学位授予单位】：华东政法大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.51

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