【摘要】：最近幾年以來,隨著互聯(lián)網(wǎng)技術(shù),特別是移動(dòng)互聯(lián)網(wǎng)的迅猛發(fā)展,我國(guó)的互聯(lián)網(wǎng)金融業(yè)爆發(fā)式的成長(zhǎng)。網(wǎng)絡(luò)支付、網(wǎng)絡(luò)借貸(P2P)、股權(quán)眾籌融資和網(wǎng)絡(luò)金融產(chǎn)品銷售等業(yè)務(wù)均呈現(xiàn)高速增長(zhǎng)的態(tài)勢(shì)。誠(chéng)然,互聯(lián)網(wǎng)金融的確提升了各項(xiàng)金融服務(wù)的效率,幫助減少了交易過程中的成本并且對(duì)普惠金融的發(fā)展起到了重要的推動(dòng)作用。但是,互聯(lián)網(wǎng)金融還是金融,金融所具有的風(fēng)險(xiǎn)特點(diǎn)互聯(lián)網(wǎng)金融仍然具備。不僅如此,由于互聯(lián)網(wǎng)金融是依托互聯(lián)網(wǎng)技術(shù)而產(chǎn)生的業(yè)態(tài),因此互聯(lián)網(wǎng)的風(fēng)險(xiǎn)特點(diǎn)也疊加在一般金融風(fēng)險(xiǎn)之上,形成了許多互聯(lián)網(wǎng)金融特有的風(fēng)險(xiǎn)特性。由于互聯(lián)網(wǎng)金融的風(fēng)險(xiǎn)具有特殊性,與傳統(tǒng)金融的風(fēng)險(xiǎn)有所差異,因此套用傳統(tǒng)的監(jiān)管模式和手段在很多情況下無法起到有效的監(jiān)管作用,而過多的使用行政手段和臨時(shí)性強(qiáng)制監(jiān)管措施也不利于推進(jìn)行業(yè)創(chuàng)新和激發(fā)市場(chǎng)活力。鑒于此,本文在對(duì)現(xiàn)有互聯(lián)網(wǎng)金融風(fēng)險(xiǎn)和監(jiān)管之研究觀點(diǎn)和成果的基礎(chǔ)上,通過對(duì)比分析和案例研究,證明互聯(lián)網(wǎng)金融風(fēng)險(xiǎn)確實(shí)存在特殊性,并歸納梳理出其風(fēng)險(xiǎn)特殊性體現(xiàn)在哪些方面。而后,就現(xiàn)行監(jiān)管制度對(duì)互聯(lián)網(wǎng)金融監(jiān)管不力的實(shí)際情況,結(jié)合互聯(lián)網(wǎng)金融監(jiān)管的國(guó)際經(jīng)驗(yàn),對(duì)我國(guó)互聯(lián)網(wǎng)金融的監(jiān)管政策提出一些具體而有效的建議。
[Abstract]:In recent years, with the rapid development of Internet technology, especially mobile Internet, the Internet financial industry in China has exploded. Network payment, network loan (P2P), equity raising and financing and network financial products sales are all showing a rapid growth trend. To be sure, Internet finance does improve the efficiency of financial services, help reduce transaction costs and play an important role in the development of inclusive finance. However, Internet finance or finance, the financial risk characteristics of Internet finance still has. Not only that, because Internet finance is based on Internet technology, the risk characteristics of Internet are also superimposed on general financial risks, forming a lot of unique risk characteristics of Internet finance. Because of the particularity of the risk of Internet finance and the difference between the risk of traditional finance and the risk of traditional finance, the application of traditional supervision mode and means can not play an effective regulatory role in many cases. The excessive use of administrative measures and temporary compulsory regulatory measures are also not conducive to industry innovation and stimulate market vitality. In view of this, this paper based on the existing Internet financial risk and supervision of the research point of view and results, through comparative analysis and case studies, prove that Internet financial risk does exist particularity. And summarizes its risk particularity manifests in which aspect. Then, according to the actual situation that the current supervision system does not supervise the Internet finance effectively, combined with the international experience of Internet financial supervision, this paper puts forward some concrete and effective suggestions on the supervision policy of our country's Internet finance.
【學(xué)位授予單位】：對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F832.1
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本文編號(hào)：2429398