本文關(guān)鍵詞：我國互聯(lián)網(wǎng)金融的政府監(jiān)管問題研究　出處：《南京師范大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

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【摘要】：隨著我國改革開放進(jìn)程不斷深入與經(jīng)濟(jì)體制改革日益深化,我國的金融市場(chǎng)和資本市場(chǎng)得到了良好的發(fā)展機(jī)遇。經(jīng)濟(jì)全球化的發(fā)展為世界金融改革與發(fā)展提供了契機(jī)。互聯(lián)網(wǎng)技術(shù)獲得了快速發(fā)展,已經(jīng)深入到我國的各個(gè)經(jīng)濟(jì)部門和經(jīng)濟(jì)領(lǐng)域�；ヂ�(lián)網(wǎng)技術(shù)不僅改善了金融業(yè)務(wù)發(fā)展的基礎(chǔ)環(huán)境,也在傳統(tǒng)金融業(yè)務(wù)基礎(chǔ)上衍生了諸多新型金融服務(wù)方式,直接造成金融生態(tài)環(huán)境和金融部門資源分配和資源利用方式的轉(zhuǎn)變。在此背景下,互聯(lián)網(wǎng)金融已經(jīng)成為金融改革的未來發(fā)展趨勢(shì),即信息網(wǎng)絡(luò)技術(shù)與傳統(tǒng)金融服務(wù)相結(jié)合為廣大用戶提供了低成本、高效率的金融服務(wù)。整個(gè)社會(huì)走向數(shù)字化以及諸多企業(yè)都積累了巨量的用于從事金融活動(dòng)的數(shù)據(jù)和風(fēng)險(xiǎn)控制工具為互聯(lián)網(wǎng)金融的發(fā)展提供了堅(jiān)實(shí)的基礎(chǔ)。國有企業(yè)的市場(chǎng)化改革和經(jīng)濟(jì)資源從國有企業(yè)向私有企業(yè)的轉(zhuǎn)移為互聯(lián)網(wǎng)金融的發(fā)展起到了積極的促進(jìn)作用。我國的互聯(lián)網(wǎng)金融雖然趕上了新的時(shí)代發(fā)展潮流,取得了一系列成就,但在發(fā)展的過程中也保留出了諸多問題,與世界發(fā)達(dá)國家相比仍然存在著諸多差距,尤其是對(duì)互聯(lián)網(wǎng)金融市場(chǎng)的政府監(jiān)管方面。論文以我國互聯(lián)網(wǎng)金融的政府監(jiān)管問題作為主要研究對(duì)象,首先闡述了國內(nèi)外有關(guān)互聯(lián)網(wǎng)金融的研究成果,并介紹了互聯(lián)網(wǎng)金融的政府監(jiān)管方面的諸多理論。在綜合介紹我國互聯(lián)網(wǎng)金融自發(fā)展以來在政府監(jiān)管方面的若干成績(jī)的同時(shí),也從監(jiān)管模式、監(jiān)管制度、監(jiān)管原則、信用風(fēng)險(xiǎn)等方面提出了當(dāng)前我國互聯(lián)網(wǎng)金融政府監(jiān)管存在的諸多不足,以國外互聯(lián)網(wǎng)金融在第三方支付、眾籌融資以及P2P借貸監(jiān)管方面的經(jīng)驗(yàn)作為參考,結(jié)合我國經(jīng)濟(jì)市場(chǎng)化和資本項(xiàng)目自由化改革的國情從完善互聯(lián)網(wǎng)金融體系、政府監(jiān)管的法律位階、監(jiān)管制度的完善以及各方監(jiān)管力量聯(lián)動(dòng)方面提出了完善對(duì)策,不僅有助于豐富與完善有關(guān)我國互聯(lián)網(wǎng)金融方面的理論研究成果,對(duì)促進(jìn)我國互聯(lián)網(wǎng)金融的政府監(jiān)管方面也有著較大的實(shí)踐參考價(jià)值。
[Abstract]:With the process of China's reform and opening up and deepening economic system reform deepening, China's financial market and the capital market has been a good opportunity for development. The development of economic globalization provides an opportunity for the world financial reform and development. Internet technology has obtained a rapid development, has gone deep into China's different economic sectors and economic fields. The Internet technology has not only improved the basic environment of financial business development, has spawned many new financial services in the traditional banking business on the basis of the direct cause of financial ecological environment and financial sector resource allocation and resource utilization pattern. In this context, Internet banking has become the trend of future development of financial reform, the information network technology with the traditional financial services combine to provide a low cost for the majority of users, efficient financial services. The whole society to digital Provide a solid foundation and development of many enterprises have accumulated a huge amount of data for engaging in financial activities and risk control tools for Internet banking. The transfer of market-oriented reform of state-owned enterprises and economic resources from state-owned enterprises to private enterprises for the Internet financial development has played a positive role in promoting China's Internet. Although the Financial Times caught up with the new trend of development, has made a series of achievements, but in the process of development also retained a lot of problems, compared with developed countries in the world there are still many gaps, especially for government regulation of Internet financial market. Based on the problems of government regulation of China's Internet banking as the main the object of study, first elaborated the domestic and foreign research achievements about Internet banking, and introduced many theories of government regulation of Internet banking in comprehensive aspects. Introduction of China's Internet banking since the development of government regulation of the number of results at the same time, also from the supervision mode, supervision system, supervision principle, put forward some deficiencies of the current Internet banking supervision of our country government credit risk, foreign Internet financial payment in third aspects, financing and lending P2P the regulatory experience for reference, combined with the liberalization of China's market economy and capital project conditions from the improvement of the Internet banking system, government regulation of the legal order, and improve the regulatory power parties joint supervision system puts forward the countermeasures to perfect, not only helps to enrich and perfect the relevant aspects of the theory of China's Internet banking research results, the promotion of government supervision of China's Internet banking also has practical reference value.

【學(xué)位授予單位】：南京師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D630;F724.6;F832.1

【引證文獻(xiàn)】

相關(guān)期刊論文 前1條

1 錢霞;唐孟如;胡會(huì)苗;荊鑫;李易之;;互聯(lián)網(wǎng)金融平臺(tái)促進(jìn)征信體系發(fā)展研究——基于搜易貸獲批央行企業(yè)征信牌照的視角[J];市場(chǎng)周刊(理論研究);2017年05期

相關(guān)碩士學(xué)位論文 前1條

1 莊臣;網(wǎng)貸基金業(yè)務(wù)模式與風(fēng)險(xiǎn)管理[D];浙江大學(xué);2017年

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本文編號(hào)：1397751