本文選題：普惠金融 + 互聯(lián)網(wǎng)金融　； 參考：《華中科技大學(xué)》2015年碩士論文

【摘要】：互聯(lián)網(wǎng)金融是互聯(lián)網(wǎng)與金融兩者有機(jī)結(jié)合的產(chǎn)物。借助互聯(lián)網(wǎng)技術(shù),互聯(lián)網(wǎng)金融有效地實(shí)現(xiàn)了金融活動(dòng)中融資、支付和中介的功能�；ヂ�(lián)網(wǎng)金融包括金融互聯(lián)網(wǎng)化、第三方支付、互聯(lián)網(wǎng)貨幣、網(wǎng)絡(luò)貸款、P2P和眾籌等金融創(chuàng)新產(chǎn)品�；ヂ�(lián)網(wǎng)金融模式有效地淡化了現(xiàn)代金融業(yè)的專業(yè)化與分工,金融產(chǎn)品更加簡(jiǎn)單化,金融脫媒、去中介化,是一種更為民主化的普惠金融模式�；ヂ�(lián)網(wǎng)金融并不是一種新的金融形式,金融的核心功能——跨時(shí)間、跨空間的價(jià)值交換——并沒有因?yàn)榛ヂ?lián)網(wǎng)的介入而有所改變�；ヂ�(lián)網(wǎng)金融中同樣存在著傳統(tǒng)金融業(yè)所存在的各種風(fēng)險(xiǎn)�；ヂ�(lián)網(wǎng)技術(shù)的介入后,很多金融創(chuàng)新產(chǎn)品與傳統(tǒng)金融產(chǎn)品在流動(dòng)性、收益性和風(fēng)險(xiǎn)性等方面有明顯的差異性。在形式和法律上都具有多樣性、綜合性、差異性和跨界性等特點(diǎn),這些特點(diǎn)需要建立在更加協(xié)調(diào)的法律規(guī)則體系的基礎(chǔ)之上,需要選擇新的監(jiān)管原則確定恰當(dāng)?shù)谋O(jiān)管邊界和措施。在我國,互聯(lián)網(wǎng)金融從2012年開始迎來了井噴式的爆發(fā),大一批代表民營資本的非金融機(jī)構(gòu)涉足金融業(yè),阿里巴巴引爆了互聯(lián)網(wǎng)金融,騰訊、京東、百度等互聯(lián)網(wǎng)巨頭也都布局進(jìn)軍互聯(lián)網(wǎng)金融行業(yè)。我國互聯(lián)網(wǎng)金融的爆發(fā)有著中國特色的政治、經(jīng)濟(jì)、法律和文化背景,與國外互聯(lián)網(wǎng)金融在成因、運(yùn)作機(jī)制和風(fēng)險(xiǎn)管理等方面有一定的差異性。目前,我國互聯(lián)網(wǎng)金融規(guī)制還不完善,互聯(lián)網(wǎng)金融機(jī)構(gòu)參差不齊,亂象叢生。這也嚴(yán)重沖擊著我國金融體系的穩(wěn)定。作為一種新興金融力量,互聯(lián)網(wǎng)金融在合法性、規(guī)范性和安全性上還有一定的欠缺�；ヂ�(lián)網(wǎng)金融存在于傳統(tǒng)主流金融市場(chǎng)與金融體制夾縫之下的特點(diǎn)也對(duì)現(xiàn)有的傳統(tǒng)金融規(guī)制和金融法體提出了新的挑戰(zhàn)。因此,我國在有必要對(duì)中國的互聯(lián)網(wǎng)金融予以規(guī)范化,并輔之以適當(dāng)?shù)谋O(jiān)管�；ヂ�(lián)網(wǎng)金融在我國發(fā)展的過程中,對(duì)世界各國的互聯(lián)網(wǎng)金融規(guī)制的立法實(shí)踐進(jìn)行比較研究,可以為我國在實(shí)踐中如何選擇性的吸收和借鑒提供了判別的依據(jù),并在此基礎(chǔ)上,充分結(jié)合我國互聯(lián)網(wǎng)金融發(fā)展的現(xiàn)狀,制定符合中國特色的互聯(lián)網(wǎng)金融規(guī)制模式。具體而言,我國互聯(lián)網(wǎng)金融應(yīng)當(dāng)遵循在微觀上寬松的審慎監(jiān)管原則和對(duì)其系統(tǒng)性風(fēng)險(xiǎn)防范的宏觀審慎監(jiān)管原則,在互聯(lián)網(wǎng)金融“硬法與軟法的二元結(jié)構(gòu)”和“公法與私法的二元結(jié)構(gòu)”的法律結(jié)構(gòu)下,加強(qiáng)宏觀金融風(fēng)險(xiǎn)防范和保護(hù)金融消費(fèi)者權(quán)益是兩大核心,同時(shí),要注意加強(qiáng)互聯(lián)網(wǎng)金融監(jiān)管的協(xié)調(diào)與合作,引導(dǎo)互聯(lián)網(wǎng)金融建立行業(yè)協(xié)會(huì)來進(jìn)行行業(yè)自律監(jiān)管。此外,還應(yīng)建立互聯(lián)網(wǎng)金融的市場(chǎng)準(zhǔn)入制度、金融消費(fèi)者保護(hù)制度、征信制度、信息披露制度和黑名單懲罰制度等相關(guān)配套制度。
[Abstract]:Internet finance is an organic combination of Internet and finance.With the help of Internet technology, Internet finance effectively realizes the functions of financing, payment and intermediary in financial activities.Internet finance includes financial innovation products such as internet finance, third party payment, internet currency, internet loan, P2P and crowdfunding.Internet financial model has effectively desalinated the specialization and division of labor in modern financial industry, and financial products are more simplified, financial disintermediation and disintermediation, which is a more democratic and inclusive financial model.Internet finance is not a new form of finance. The core function of finance-the value exchange across time and space-has not changed as a result of the intervention of the Internet.There are also various risks in the traditional financial industry in Internet finance.After the intervention of Internet technology, many financial innovation products and traditional financial products have obvious differences in liquidity, profitability and risk.They have the characteristics of diversity, comprehensiveness, diversity and transborder in form and law, which need to be based on a more coordinated system of legal rules,New regulatory principles need to be chosen to identify appropriate regulatory boundaries and measures.In China, Internet finance began to blow out in 2012. A large number of non-financial institutions representing private capital set foot in the financial sector. Alibaba detonated Internet finance, Tencent, JingDong,Baidu and other Internet giants are also layout into the Internet financial industry.The outbreak of Internet finance in China has political, economic, legal and cultural background with Chinese characteristics, which is different from that of foreign Internet finance in the aspects of origin, operation mechanism and risk management.At present, China's Internet financial regulation is not perfect, Internet financial institutions are uneven, chaos.This is also a serious impact on the stability of our financial system.As a new financial force, Internet finance is still lacking in legality, standardization and security.The existence of Internet finance under the gap between traditional mainstream financial market and financial system also poses a new challenge to the existing traditional financial regulation and financial law system.Therefore, it is necessary for our country to standardize the Internet finance in China and to supervise it properly.In the course of the development of Internet finance in our country, a comparative study on the legislative practice of Internet financial regulation in various countries in the world can provide a basis for judging how to absorb and learn from it selectively in our practice, and on this basis,According to the current situation of the development of Internet finance in China, the model of internet financial regulation with Chinese characteristics is formulated.In particular, China's Internet finance should follow the principles of microcosmic and macro-prudential supervision to guard against systemic risks.Under the legal structure of "dual structure of hard law and soft law" and "dual structure of public law and private law" in Internet finance, strengthening the prevention of macro financial risks and protecting the rights and interests of financial consumers are the two core points, at the same time,We should pay attention to the coordination and cooperation of Internet financial supervision and guide Internet finance to set up trade associations to carry out industry self-regulation.In addition, it is necessary to establish market access system of Internet finance, financial consumer protection system, credit system, information disclosure system and blacklist punishment system.
【學(xué)位授予單位】：華中科技大學(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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