我国互联网金融风险的法律治理研究

发布时间：2018-01-19 15:06

本文关键词： 互联网金融风险法律体系　出处：《河北经贸大学》2017年硕士论文　论文类型：学位论文

【摘要】：互联网金融作为传统金融模式的创新在近年来受到人们的普遍关注,成为普通民众广泛热议的话题。互联网金融有别于传统金融模式在于互联网金融是依托于互联网大数据技术、移动通信技术在传统金融模式上进行的升级,来实现资金的融通、支付和信息中介发展起来的新金融模式。其本身在不断发展过程中既呈现出互联网发展过程中的风险特点同时又具备了传统金融发展中的风险特点,这就决定了互联网金融风险比传统金融风险更复杂性、风险治理难度更加困难。我国互联网金融发展时间还比较短,在不断发展过程中存在互联网金融立法规范不完善、互联网金融企业市场准入标准低、混业经营等问题,但是,从当前我国互联网金融风险治理来看,互联网金融风险仍然处于可控范围之内。构建互联网金融法律治理体系为互联网金融创新提供法律支撑,降低互联网金融创新风险,促进互联网金融更好发展应该是当前防范互联网金融风险工作的首要目标。党的十八届四中全会提出全面依法治国的基本方略,这也就为我国互联网金融风险治理提供了法律理论依据,在互联网金融风险治理过程中以我国现有传统金融行业相关立法为基础加快互联网金融风险治理方面立法,同时我们还可以借鉴欧美等国家在互联网金融风险治理相关法律经验来规范互联网金融行业创新体制来制定适合我国互联网金融健康发展的立法监管制度。互联网金融立法在坚持互联网金融创新的基础上充分发挥互联网金融对经济发展的推动作用,保持互联网金融行业持续发展,维护互联网金融消费者合法权益。本文除了引言和结语外文章主要有五部分内容。第一部分,主要阐述互联网金融的基本定义和分类。从互联网金融的定义和分类进行分析便于在对我国互联网金融清晰认识的基础上来预判互联网金融在发展过程中可能出现的风险问题。第二部分,主要分析我国互联网金融在发展过程中呈现出的风险。互联网金融作为一种新型金融模式其既有互联网技术本身的特点同时传统金融本身的特点,从互联网金融技术风险入手来进一步阐述互联网金融在发展过程中存在的法律风险、监管风险、资金流动性风险,为互联网金融风险立法、互联网金融风险法律治理体系的构建具有目标导向作用。第三部分,介绍了我国当前互联网金融风险法律治理的现状。从互联网金融企业本身和互联网金融风险法律制度这两个层面来分析互联网金融风险治理过程中存在的互联网金融企业技术风险、互联网金融企业市场准入标准风险、互联网金融企业信息披露问题、互联网金融征信法规问题、互联网金融管制法规欠缺、互联网金融监管主体不明确、互联网金融企业缺乏市场准入法律机制做引导等现状。第四部分,主要研究的是美国、英国和欧盟这三个国家和地区对于互联网金融风险治理的经验。美国对于互联网金融风险治理拥有完善的风险治理法律框架、加强联邦政府和地方各州共同监管、完善互联网金融消费者保护机制系等措施来治理互联网互联网金融风险;欧盟则是通过变革原有的互联网金融监管法律体系、加强欧洲央行的监管和互联网金融企业行业自律意识来治理互联网金融风险。英国,一方面充分发挥互联网金融行业自律协会的作用,由互联网金融行业自律协会来加强对互联网金融主体的监管,同时英国政府也加强对互联网金融主体采取分部门有针对性的监管。通过比较美国、欧盟和英国对于互联网金融风险不同的治理措施,借鉴和吸收有利于我国互联网金融风险防范、治理的建设性经验,为我国互联网金融风险法律治理体系的建立和完善提出借鉴性的建议。第五部分,主要是对我国互联金融风险法律治理提出的具体建议。由于传统的金融监管法律体系很难适用于互联网金融风险监管,应该结合互联网金融的特点及特有的风险,从互联网金融风险监管立法、征信体系建设、地方政府对于互联网金融企业监管、互联网金融企业行业自律建设等方面相关制度上对我国互联网金融的发展提出了相关立法建议。
[Abstract]:The Internet financial innovation as the traditional financial model in recent years has attracted widespread attention, ordinary people become hot topic widely. Internet banking is different from the traditional financial model is that Internet banking is relying on the Internet and big data technology, mobile communication technology in the traditional financial model on the upgrade, to achieve financing payment and the development of new financial information intermediary mode. In its own development process not only shows the risk characteristics of the Internet in the development process but also has the characteristics of traditional financial risk in the development of the Internet, which determines the financial risk more complex than the traditional financial risk, risk management more difficult. The development of Internet banking our country is still relatively short, constantly in the process of the development of Internet financial legislation is not perfect, the Internet financial market access Low standard, mixed operation and other issues, however, from the current governance of Internet financial risk in our country, the financial risks of the Internet is still in the controllable range. To provide legal support for the construction of Internet financial innovation of Internet governance system of financial law, Internet reduces the risk of financial innovation, and promote the better development of Internet banking should be a primary goal of Internet financial risk prevention work current the party put forward the basic strategy of the fourth Plenary Session of the 18th CPC Central Committee. All of the rule of law, which also provides theoretical basis for the legal governance of Internet financial risk in our country, the Internet financial risk management process based on our existing traditional financial industry related legislation based on the Internet to speed up financial risk governance legislation, at the same time, we can also draw lessons from Europe and other countries in the Internet financial risk management experience of relevant laws to regulate the Internet Financial Bank For the healthy development of China's Internet financial legislation supervision system of industry innovation system. Internet financial legislation play a positive role in the Internet Finance on economic development based on Internet financial innovation, maintain the sustainable development of Internet financial industry, safeguarding the legitimate rights and interests of consumers of Internet banking. In addition to the introduction and conclusion the article five part of the contents. The first part mainly expounds the basic definition and classification of Internet financial analysis. For up to predict the Internet financial risk problems may occur in the process of the development of China's Internet Banking Based on a clear understanding of the definition and classification of Internet finance. The second part mainly analyzes the risks of China's Internet banking presents in the in the process of the development of Internet banking as a new financial model is the Internet technology itself Characteristics and characteristics of traditional finance itself, from the Internet financial risk of technology to further elaborate the legal risks of Internet banking in the development process of the existing regulatory risk, liquidity risk, financial risk for the Internet legislation, with the goal oriented construction of Internet financial risk legal governance system. The third part introduces the current situation of our country the current Internet financial risk legal governance. To analyze the Internet financial risk exists in the enterprise technology of Internet financial risk management process from the two aspects of Internet financial enterprises and the financial risks of the Internet legal system, standard access internet financial enterprise market risk, information disclosure problems of Internet financial enterprises, Internet Financial credit regulations, Internet financial regulation a lack of regulations, the Internet financial regulatory body is not clear, the Internet Financial Enterprises The lack of legal mechanism of market access guide status. The fourth part, the main research is the United States, the experience for the Internet financial risk governance in UK and EU three countries and regions. The United States for the Internet financial risk management risk management has a perfect legal framework, strengthen the federal and state supervision, improve the consumer protection mechanism of Internet the Department of Finance and other measures to control the Internet financial risk; the EU is through the transformation of the original Internet financial supervision legal system, strengthen the supervision of the European Central Bank and the Internet financial enterprise self-discipline to control the financial risks of the Internet. On the one hand, the British, give full play to the role of the association of Internet financial industry self-regulation, the Internet financial industry self-discipline Association strengthen the Internet financial regulatory body, at the same time, the British government is to strengthen the Internet gold The main financial department to take targeted supervision. Through the comparison of the United States, the European Union and the United Kingdom for the Internet financial risk different governance measures, learn and absorb the beneficial financial risk prevention of China's Internet governance, the construction experience, puts forward some suggestions to establish and perfect the law of Internet Financial risk in our country law governance system. The fifth part is mainly on the specific proposals of China's Internet financial risk legal governance. Because of the traditional legal system of financial supervision is difficult to apply to the Internet banking risk supervision, should be combined with the characteristics of Internet banking and the unique risk from the Internet financial risk supervision legislation, the construction of credit system, the local government for the regulation of Internet financial enterprises the Internet financial enterprises, construction industry self-regulation and other related systems on the relevant legislative proposals on the development of China's Internet banking is put forward.

【学位授予单位】：河北经贸大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.28

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