余额宝类网络基金产品的法律定位及风险预防

发布时间：2018-04-28 21:10

  本文选题：余额宝 + 网络基金产品　； 参考：《金融理论与实践》2014年06期

【摘要】：借助第三方支付平台在互联网领域(尤其是智能手机端)的推广,余额宝在2013年6月横空出世,这匹互联网黑马触动了传统金融行业的神经,也搅动了整个金融行业,此后各基金公司也争先恐后地"傍"互联网大款以期在新的金融模式出现之初就占据先发优势。在基金行业的互联网热潮持续发酵的同时,理论界对此类产品的支持和反对态度泾渭分明。在网络金融经济快速发展的今天,我们有必要在现行法律角度审视余额宝类网络基金产品的法律地位,辩证地看待余额宝类网络基金产品的作用、分析其风险,以便能使我们更好地认识这一互联网时代新的金融产品类型,从而规避风险,以期实现对传统金融的反思并实现传统金融经济模式与互联网金融经济新模式的互补与共赢。
[Abstract]:Thanks to the promotion of third-party payment platforms in the Internet, especially on the smartphone side, Yu'e Bao was born in June 2013, an internet black horse that touched the nerve of the traditional financial industry and stirred the entire financial industry. Since then, fund companies have been scrambling to get ahead of the Internet in an attempt to gain first-mover advantage at the start of the new financial model. While the Internet boom in the fund industry continues to ferment, the support and opposition to this kind of products in the theoretical circle is very clear. With the rapid development of network finance and economy, it is necessary for us to examine the legal status of Yu'e Bao's network fund products from the current legal angle, to dialectically treat the role of Yu'e Bao's network fund products and to analyze their risks. In order to make us better understand the new types of financial products in the Internet era and avoid risks, we hope to realize the reflection of traditional financial economy and the complementary and win-win between the traditional financial economic model and the new Internet financial economic model.
【作者单位】： 中国人民银行参事室;中国刑事警察学院;
【分类号】：F832.51
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本文编号：1816882