發(fā)布時間：2018-05-15 12:22

  本文選題：互聯(lián)網金融模式 + 互聯(lián)網金融監(jiān)管　； 參考：《東北財經大學》2014年碩士論文

【摘要】：隨著互聯(lián)網技術的發(fā)展,傳統(tǒng)金融行業(yè)與以互聯(lián)網為代表的信息科技,特別是移動支付、社交網絡和“大數(shù)據(jù)”等相結合產生了互聯(lián)網金融。作為一項互聯(lián)網技術與金融業(yè)務交叉的金融創(chuàng)新,以第三方支付、人人貸、眾籌融資、互聯(lián)網貨幣基金和網絡銀行等為代表的互聯(lián)網金融模式從誕生到呈業(yè)態(tài)發(fā)展,對傳統(tǒng)金融行業(yè)的發(fā)展、政府的貨幣政策、監(jiān)管部門的監(jiān)管以及消費者權益保護均產生了重要影響,但由于與傳統(tǒng)金融行業(yè)存在較大的差別,互聯(lián)網金融又面臨著特殊風險。 一是技術風險,我國互聯(lián)網金融機構使用的以金融軟硬件為代表的服務設備多引自國外,由于國內密鑰管理及加密技術相對不完善,無法充分保障交易主體的資金安全,引起互聯(lián)網金融系統(tǒng)性的安全風險。 二是業(yè)務風險,我國互聯(lián)網金融準入機制不規(guī)范、管理制度缺失,從而使我國互聯(lián)網金融一直游走于法律的灰色地帶。我國沒有完善的個人信用評級機制,很難獲得比較可靠的個人信用評分,從而要求我國互聯(lián)網企業(yè)一方面提供互聯(lián)網金融相關業(yè)務；另一方面通過線上、線下等各種手段收集客戶的信用信息,而這種信息搜集方式增加了產業(yè)鏈的環(huán)節(jié)和企業(yè)的運營成本,不利于互聯(lián)網金融行業(yè)的發(fā)展。 三是法律風險,由于我國互聯(lián)網金融行業(yè)正處于發(fā)展初期,各種法律規(guī)范相對短缺。目前我國法律制度主要針對金融機構的網上服務進行規(guī)范,對互聯(lián)網金融各種模式的市場準入機制、交易資金監(jiān)管機制和風險評估機制處于空白階段。 因此,既要使互聯(lián)網金融充分服務于我國經濟,特別是發(fā)揮促進中小企業(yè)融資和拓寬個人投資渠道的作用,同時又要強化對互聯(lián)網金融面臨的各種風險的監(jiān)管。本文通過國內外互聯(lián)網金融模式及政府監(jiān)管的差異比較,指出中國互聯(lián)網金融發(fā)展的不足,通過歸納國外互聯(lián)網發(fā)展及監(jiān)管的經驗,提出了相應的對策。以求對中國發(fā)展互聯(lián)網金融有一定借鑒作用,從而促使互聯(lián)網金融提供更完善的服務。 本文分為五個部分：第一部分是引言,介紹選題背景與意義,國內外文獻綜述和創(chuàng)新與不足；第二部分對互聯(lián)網金融中的第三方支付、人人貸、眾籌融資、互聯(lián)網貨幣基金和網絡銀行在國內外的發(fā)展模式進行了論述,并根據(jù)對國內外模式之間的差異比較,梳理了互聯(lián)網金融在我國的獨特發(fā)展歷程,進而提出我國互聯(lián)網金融所面臨的風險；第三部分主要是從監(jiān)管原則、監(jiān)管主體、監(jiān)管目標和監(jiān)管手段等角度論述了美國、歐盟等西方國家對不同互聯(lián)網金融模式所采取的監(jiān)管措施,并且分析了我國當前互聯(lián)網金融監(jiān)管的困境；第四部分總結了國外互聯(lián)網金融發(fā)展模式及政府監(jiān)管經驗,針對我國互聯(lián)網金融存在的不足,從規(guī)范互聯(lián)網發(fā)展模式和強化政府監(jiān)管措施上提出對策,第五部分對本文進行了總結。
[Abstract]:With the development of Internet technology, the combination of traditional financial industry and information technology, such as mobile payment, social network and "big data", has led to Internet finance. As a financial innovation that intersects Internet technology and financial business, the Internet financial model, represented by third-party payment, universal loan, crowdfunding, Internet monetary fund and Internet banking, has developed from birth to business. The development of the traditional financial industry, the monetary policy of the government, the supervision of the supervision department and the protection of the consumer's rights and interests all have an important influence on the development of the traditional financial industry. However, due to the great difference between the traditional financial industry and the traditional financial industry, the Internet finance is faced with special risks. First, technical risks. Most of the services used by Internet financial institutions in China, represented by financial hardware and software, are imported from abroad. Because the domestic key management and encryption techniques are relatively imperfect, they cannot fully guarantee the financial security of the trading bodies. Causes the Internet finance systematic security risk. The second is the business risk, China's Internet financial access mechanism is not standardized, the lack of management system, so that China's Internet finance has been wandering in the gray area of the law. There is no perfect personal credit rating mechanism in our country, and it is difficult to obtain a relatively reliable personal credit rating, which requires Chinese Internet enterprises to provide Internet financial-related business on the one hand, and online, on the other. All kinds of means such as below line collect customer's credit information, and this kind of information collection method increases the link of the industry chain and the operation cost of the enterprise, which is unfavorable to the development of the Internet finance industry. Third, the legal risk, because our country Internet finance profession is in the early stage of development, each kind of legal norm is relatively short. At present, the legal system of our country is mainly aimed at regulating the online services of financial institutions. The market access mechanism of various modes of Internet finance, the supervision mechanism of transaction funds and the risk assessment mechanism are still in the blank stage. Therefore, it is necessary to make Internet finance fully serve our economy, especially to promote the financing of small and medium-sized enterprises and broaden the channels of individual investment, and at the same time, to strengthen the supervision of various risks faced by Internet finance. This paper points out the deficiency of the development of Internet finance in China by comparing the differences between domestic and foreign Internet financial models and government supervision, and puts forward the corresponding countermeasures by summing up the experience of the development and supervision of internet in foreign countries. In order to promote the development of Internet finance in China, it can provide more perfect services. This article is divided into five parts: the first part is the introduction, introduces the background and significance of the topic, domestic and foreign literature review and innovation and deficiencies; the second part of the third party payment in Internet finance, everyone loans, crowdfunding, This paper discusses the development models of Internet Monetary Fund and Internet Bank at home and abroad, and combs the unique development course of Internet Finance in China according to the differences between the models at home and abroad. The third part mainly discusses the United States from the aspects of the supervision principle, the main body of supervision, the aim of supervision and the means of supervision. The European Union and other western countries have adopted the supervision measures to different Internet financial models, and analyzed the difficulties of China's current Internet financial supervision. The fourth part summarizes the foreign Internet financial development model and the experience of government supervision. In view of the shortcomings of Internet finance in China, the author puts forward some countermeasures from standardizing the mode of Internet development and strengthening the government supervision measures. The fifth part summarizes this article.
【學位授予單位】：東北財經大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F724.6;F832.2

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