本文選題：互聯(lián)網(wǎng)金融 + 商業(yè)模式創(chuàng)新�。� 參考：《西北大學學報(哲學社會科學版)》2017年03期

【摘要】：網(wǎng)絡(luò)技術(shù)與傳統(tǒng)金融業(yè)結(jié)合催生了新的金融模式�；ヂ�(lián)網(wǎng)金融以其普惠性、成本低、效率高等特點,對傳統(tǒng)金融業(yè)務及其監(jiān)管帶來挑戰(zhàn)�；ヂ�(lián)網(wǎng)金融商業(yè)模式及其創(chuàng)新存在的負外部性,需明確互聯(lián)網(wǎng)金融創(chuàng)新的法律邊界在于公共利益保障與個體利益實現(xiàn)之間的平衡,借助國家公權(quán)力有效協(xié)調(diào)創(chuàng)新及其監(jiān)管。我國可借鑒國外立法內(nèi)容,創(chuàng)新金融監(jiān)管思路,逐步從變革監(jiān)管體制、注重消費者權(quán)益保護、革新監(jiān)管手段和技術(shù)、強化行業(yè)自律組織作用等方面分層次完善監(jiān)管規(guī)則。
[Abstract]:The combination of network technology and traditional financial industry has given birth to a new financial model. Internet finance brings challenges to traditional financial business and its supervision because of its characteristics of inclusiveness, low cost and high efficiency. The negative externality of Internet financial business model and its innovation needs to be clear that the legal boundary of Internet financial innovation lies in the balance between the protection of public interests and the realization of individual interests, and the effective coordination and supervision of innovation and supervision with the aid of the public power of the state. Our country can draw lessons from foreign legislation content, innovate the train of thought of financial supervision, gradually change the supervision system, pay attention to the protection of consumers' rights and interests, innovate the means and technology of supervision, strengthen the function of the self-discipline organization of the industry and so on, and perfect the supervision rules in different levels.
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本文編號：2003768