本文選題：互聯(lián)網(wǎng)金融　切入點(diǎn)：監(jiān)管法律　出處：《哈爾濱工程大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：互聯(lián)網(wǎng)經(jīng)濟(jì)時(shí)代,金融活動(dòng)的互聯(lián)網(wǎng)化特征日趨明顯,互聯(lián)網(wǎng)金融作為現(xiàn)代金融發(fā)展的新趨勢(shì),已經(jīng)成為我國(guó)經(jīng)濟(jì)發(fā)展中的重要組成部分,第三方支付、P2P網(wǎng)貸等互聯(lián)網(wǎng)金融形式不斷創(chuàng)新,并呈現(xiàn)出多樣化的態(tài)勢(shì)�；ヂ�(lián)網(wǎng)金融持續(xù)而高效的發(fā)展,有助于促進(jìn)整體金融業(yè)的繁榮。由于近幾年來(lái)互聯(lián)網(wǎng)金融開(kāi)始產(chǎn)生并迅速興起,我國(guó)現(xiàn)有的金融監(jiān)管難以有效的滿足互聯(lián)網(wǎng)金融時(shí)期的監(jiān)管需求,而互聯(lián)網(wǎng)金融發(fā)展中可能出現(xiàn)的非法經(jīng)營(yíng)等各種法律風(fēng)險(xiǎn),會(huì)對(duì)互聯(lián)網(wǎng)金融的健康快速發(fā)展形成制約,甚至影響互聯(lián)網(wǎng)金融的行業(yè)安全,因而監(jiān)管問(wèn)題顯得尤為重要。為了鼓勵(lì)創(chuàng)新,明確互聯(lián)網(wǎng)金融監(jiān)管責(zé)任,2015年7月央行會(huì)同有關(guān)部門發(fā)布了《關(guān)于促進(jìn)互聯(lián)網(wǎng)金融健康發(fā)展的指導(dǎo)意見(jiàn)》,落實(shí)了監(jiān)管責(zé)任,明確了業(yè)務(wù)邊界。但是要實(shí)現(xiàn)對(duì)互聯(lián)網(wǎng)金融業(yè)的有效監(jiān)管,需要法律的強(qiáng)制性來(lái)提供保障,在合理定位互聯(lián)網(wǎng)金融概念的基礎(chǔ)上,結(jié)合我國(guó)目前的法律制度現(xiàn)狀,借鑒國(guó)際互聯(lián)網(wǎng)金融的監(jiān)管經(jīng)驗(yàn)完善我國(guó)互聯(lián)網(wǎng)金融監(jiān)管法律制度。首先,提出立法建議,并從現(xiàn)有的監(jiān)管體系出發(fā),結(jié)合互聯(lián)網(wǎng)金融的特點(diǎn),以技術(shù)監(jiān)管、市場(chǎng)準(zhǔn)入等為內(nèi)容完善監(jiān)管法律法規(guī),為互聯(lián)網(wǎng)金融監(jiān)管提供可靠的法律依據(jù)。其次,監(jiān)管機(jī)構(gòu)需要以相互合作的協(xié)調(diào)模式對(duì)互聯(lián)網(wǎng)金融實(shí)行功能性監(jiān)管,保持監(jiān)管體系的一致性。第三,積極的發(fā)展互聯(lián)網(wǎng)金融的行業(yè)自律組織,通過(guò)設(shè)立行業(yè)協(xié)會(huì),制定行業(yè)標(biāo)準(zhǔn)引導(dǎo)和推動(dòng)同業(yè)監(jiān)督,取得更好的監(jiān)管成效。第四,國(guó)際間監(jiān)管當(dāng)局的合作也顯得尤為重要,我國(guó)監(jiān)管機(jī)構(gòu)應(yīng)當(dāng)與其他國(guó)家密切協(xié)助,共同打擊跨境的互聯(lián)網(wǎng)金融犯罪,為國(guó)內(nèi)互聯(lián)網(wǎng)金融行業(yè)提供更安全的發(fā)展環(huán)境。
[Abstract]:In the era of Internet economy, the characteristics of financial activities become more and more obvious. As a new trend of modern financial development, Internet finance has become an important part of the economic development of our country. Third party payment, P2P network loan and other Internet financial forms are constantly innovating and showing a diversified trend. Internet finance continues to develop with high efficiency. It helps to promote the prosperity of the financial industry as a whole. Due to the emergence and rapid rise of Internet finance in recent years, the current financial supervision in China is difficult to effectively meet the regulatory needs in the period of Internet finance. And various legal risks, such as illegal operation, which may arise in the development of Internet finance, will restrict the healthy and rapid development of Internet finance, and even affect the industry safety of Internet finance. In order to encourage innovation and clarify the responsibility of Internet financial supervision, on July 2015, the Central Bank, together with relevant departments, issued the guidance on promoting the healthy Development of Internet Finance, which implemented the responsibility of supervision. It clarifies the business boundary. However, in order to realize the effective supervision of the Internet financial industry, it needs the compulsory protection of the law. On the basis of reasonably positioning the concept of Internet finance, combining with the current situation of the legal system in our country, To perfect the legal system of Internet financial supervision in China by using the experience of Internet finance supervision for reference. First of all, the author puts forward some legislative suggestions, starting from the existing regulatory system and combining the characteristics of Internet finance, to improve the legal system of Internet financial supervision by means of technical supervision. Market access is the content of perfecting regulatory laws and regulations to provide a reliable legal basis for Internet financial supervision. Secondly, regulators need to implement functional supervision of Internet finance in a coordinated mode of mutual cooperation. Maintain the consistency of the regulatory system. Third, actively develop self-regulatory organizations in the industry of Internet finance. Through the establishment of trade associations and the establishment of industry standards to guide and promote the supervision of the same industry, we will achieve better regulatory results. 4th, The cooperation of international regulatory authorities is also particularly important. China's regulators should work closely with other countries to crack down on cross-border Internet financial crimes and provide a more secure development environment for the domestic Internet financial industry.
【學(xué)位授予單位】：哈爾濱工程大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D922.28

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