本文選題：互聯(lián)網(wǎng)金融　切入點(diǎn)：金融監(jiān)管　出處：《山東大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：近年來(lái),互聯(lián)網(wǎng)金融憑借便利、快捷、高效、低成本等一系列優(yōu)勢(shì),顛覆了以往的金融支付和交易方式,給傳統(tǒng)金融機(jī)構(gòu)和金融體系帶來(lái)巨大沖擊,并呈現(xiàn)出混業(yè)經(jīng)營(yíng)、國(guó)際化等發(fā)展特點(diǎn)。在高速發(fā)展的同時(shí),由于法律體系不健全、監(jiān)管滯后、內(nèi)控不健全、行業(yè)自律缺失等原因,互聯(lián)網(wǎng)金融機(jī)構(gòu)也面臨著諸多風(fēng)險(xiǎn)。與美國(guó)、英國(guó)等發(fā)達(dá)國(guó)家相比,我國(guó)互聯(lián)網(wǎng)金融監(jiān)管還存在突出問(wèn)題。金融業(yè)具有很強(qiáng)的外部性,互聯(lián)網(wǎng)金融亂象已然影響到我國(guó)金融的穩(wěn)定。對(duì)相關(guān)問(wèn)題展開(kāi)研究,改進(jìn)完善我國(guó)互聯(lián)網(wǎng)金融監(jiān)管,既有理論意義,又有實(shí)踐價(jià)值。本文把具有規(guī)模效應(yīng)和低邊際成本的金融服務(wù)看作具有非排他性、弱競(jìng)爭(zhēng)性的公共產(chǎn)品,將金融監(jiān)管看作政府干預(yù)市場(chǎng)、提高資源配置效率、緩解市場(chǎng)失靈的有效手段,綜合運(yùn)用政治學(xué)、管理學(xué)、經(jīng)濟(jì)學(xué)、金融學(xué)等理論,從我國(guó)互聯(lián)網(wǎng)金融發(fā)展與監(jiān)管的現(xiàn)狀出發(fā),勾勒出當(dāng)前監(jiān)管體制存在的問(wèn)題,給出強(qiáng)化我國(guó)互聯(lián)網(wǎng)金融監(jiān)管的政策建議,以期實(shí)現(xiàn)互聯(lián)網(wǎng)金融創(chuàng)新得到充分鼓勵(lì)、風(fēng)險(xiǎn)問(wèn)題得到有效處置、違法犯罪行為大幅減少、市場(chǎng)信心有效增強(qiáng)、消費(fèi)者合法權(quán)益得到充分保護(hù)的良好局面。本文分為五章。第一章是緒論,主要介紹了研究的目的、意義、方法和創(chuàng)新點(diǎn),并對(duì)國(guó)內(nèi)外研究現(xiàn)狀進(jìn)行了梳理。第二章從現(xiàn)狀、特點(diǎn)、風(fēng)險(xiǎn)三個(gè)角度論證互聯(lián)網(wǎng)金融監(jiān)管的必要性,采用案例研究法,從互聯(lián)網(wǎng)金融不同表現(xiàn)形式入手,介紹了互聯(lián)網(wǎng)金融發(fā)展現(xiàn)狀,并以案例說(shuō)明了互聯(lián)網(wǎng)金融所面臨的流動(dòng)性風(fēng)險(xiǎn)、信用風(fēng)險(xiǎn)、聲譽(yù)風(fēng)險(xiǎn)、科技風(fēng)險(xiǎn)、合規(guī)風(fēng)險(xiǎn)和操作風(fēng)險(xiǎn)。第三章綜合分析了我國(guó)互聯(lián)網(wǎng)金融監(jiān)管現(xiàn)狀,從法律法規(guī)體系不健全、監(jiān)管主體間協(xié)調(diào)難度大、容易導(dǎo)致重復(fù)監(jiān)管和監(jiān)管真空、監(jiān)管與創(chuàng)新不夠協(xié)調(diào)、行業(yè)自律不到位等五個(gè)方面總結(jié)了存在的問(wèn)題。第四章采用比較研究法,在借鑒美國(guó)、英國(guó)互聯(lián)網(wǎng)金融監(jiān)管經(jīng)驗(yàn)的基礎(chǔ)上,給出了強(qiáng)化我國(guó)互聯(lián)網(wǎng)金融監(jiān)管的政策建議。第五章給出了本文的結(jié)論與展望。本文的創(chuàng)新點(diǎn)在于從我國(guó)互聯(lián)網(wǎng)金融發(fā)展和"一行三會(huì)、垂直分業(yè)"的監(jiān)管體制現(xiàn)狀出發(fā),對(duì)已發(fā)布的互聯(lián)網(wǎng)金融監(jiān)管政策法規(guī)進(jìn)行了較為全面的梳理,對(duì)中央金融監(jiān)管部門、地方金融監(jiān)管部門、行業(yè)自律組織在互聯(lián)網(wǎng)金融監(jiān)管中應(yīng)當(dāng)發(fā)揮的作用進(jìn)行了較為深入的探索。本文按照從宏觀到微觀、從頂層到基層、從理念到操作的原則,從"法律、原則、機(jī)制、實(shí)務(wù)、環(huán)境"五個(gè)方面給出了強(qiáng)化我國(guó)互聯(lián)網(wǎng)金融監(jiān)管的政策建議,具有較強(qiáng)的可操作性。
[Abstract]:In recent years, Internet finance, by virtue of a series of advantages, such as convenience, speed, efficiency, low cost and so on, has overturned the past financial payment and transaction methods, which has brought great impact to the traditional financial institutions and financial system, and presented a mixed operation. Internationalization and other characteristics of development. At the same time of rapid development, Internet financial institutions are also facing many risks because of the imperfect legal system, lagging supervision, imperfect internal control, lack of self-discipline in the industry, and so on. Compared with Britain and other developed countries, there are still outstanding problems in the supervision of Internet finance in our country. The financial industry has a strong externality, and the chaos of Internet finance has affected the stability of our financial system. Improving and perfecting China's Internet financial supervision has both theoretical significance and practical value. This paper regards financial services with scale effect and low marginal cost as non-exclusive and weakly competitive public goods. Taking financial supervision as an effective means for government to intervene in the market, to improve the efficiency of resource allocation and to alleviate the market failure, and to apply the theories of politics, management, economics, finance and so on, from the current situation of the development and supervision of Internet finance in China. This paper outlines the problems existing in the current regulatory system, and puts forward some policy suggestions for strengthening the supervision of Internet finance in China, in order to encourage the Internet financial innovation to be fully encouraged, to deal with the risk problems effectively, and to reduce the illegal and criminal activities substantially. This paper is divided into five chapters. The first chapter is the introduction, which mainly introduces the purpose, significance, method and innovation of the research. The second chapter demonstrates the necessity of Internet financial supervision from three angles: current situation, characteristics and risks, using case study method, starting with different manifestations of Internet finance. This paper introduces the current situation of Internet finance development, and illustrates the liquidity risk, credit risk, reputation risk, scientific and technological risk faced by Internet finance. The third chapter comprehensively analyzes the current situation of Internet financial supervision in China. From the aspects of imperfect laws and regulations, the coordination between the regulatory bodies is difficult, it is easy to lead to repeated supervision and regulatory vacuum, supervision and innovation is not coordinated. Chapter 4th uses comparative research method to learn from the experience of Internet financial supervision in the United States and Britain. This paper puts forward some policy suggestions to strengthen the supervision of Internet finance in China. Chapter 5th gives the conclusion and prospect of this paper. The innovation of this paper lies in the development of Internet finance in China and the present situation of supervision system of "one line, three sessions, vertical separation". Has carried on the relatively comprehensive combing to the published Internet financial supervision policy and regulation, to the central financial supervision department, the local financial supervision department, The role that industry self-discipline organizations should play in Internet financial supervision has been explored in depth. According to the principles from macro to micro, from the top to the grass roots, from concept to operation, this paper goes from "law, principle, mechanism, practice," This paper puts forward some policy suggestions on strengthening internet financial supervision in China from five aspects of environment, and it has strong maneuverability.
【學(xué)位授予單位】：山東大學(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

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 楊東;;互聯(lián)網(wǎng)金融治理新思維[J];中國(guó)金融;2016年23期

2 陳莉;;日本互聯(lián)網(wǎng)證券發(fā)展特點(diǎn)及路徑研究[J];現(xiàn)代日本經(jīng)濟(jì);2016年03期

3 朱侃;;論我國(guó)互聯(lián)網(wǎng)平臺(tái)基金銷售創(chuàng)新與監(jiān)管[J];金融法苑;2015年02期

4 黃小強(qiáng);;我國(guó)互聯(lián)網(wǎng)消費(fèi)金融的界定、發(fā)展現(xiàn)狀及建議[J];武漢金融;2015年10期

5 樊云慧;;股權(quán)眾籌平臺(tái)監(jiān)管的國(guó)際比較[J];法學(xué);2015年04期

6 唐瓊瓊;;第三方支付中的消費(fèi)者權(quán)益保護(hù)問(wèn)題研究[J];河北法學(xué);2015年04期

7 寧連舉;劉茜;;互聯(lián)網(wǎng)金融的創(chuàng)新發(fā)展及監(jiān)管建議[J];宏觀經(jīng)濟(jì)管理;2015年01期

8 鄧舒仁;;互聯(lián)網(wǎng)金融發(fā)展與監(jiān)管的文獻(xiàn)綜述[J];華北金融;2014年12期

9 李紅坤;劉富強(qiáng);翟大恒;;國(guó)內(nèi)外互聯(lián)網(wǎng)保險(xiǎn)發(fā)展比較及其對(duì)我國(guó)的啟示[J];金融發(fā)展研究;2014年10期

10 黃震;鄧建鵬;熊明;任一奇;喬宇涵;;英美P2P監(jiān)管體系比較與我國(guó)P2P監(jiān)管思路研究[J];金融監(jiān)管研究;2014年10期

相關(guān)碩士學(xué)位論文 前6條

1 姜文君;我國(guó)P2P網(wǎng)絡(luò)借貸平臺(tái)風(fēng)險(xiǎn)監(jiān)管體系構(gòu)建研究[D];華東師范大學(xué);2015年

2 王澤華;互聯(lián)網(wǎng)金融風(fēng)險(xiǎn)及風(fēng)險(xiǎn)管理研究[D];河南大學(xué);2014年

3 王慧;問(wèn)題、原因、對(duì)策：地方政府金融監(jiān)管研究[D];內(nèi)蒙古大學(xué);2014年

4 錢洋;互聯(lián)網(wǎng)金融的法律規(guī)制[D];揚(yáng)州大學(xué);2014年

5 王陽(yáng);中國(guó)民間金融地方政府監(jiān)管問(wèn)題研究[D];西南財(cái)經(jīng)大學(xué);2014年

6 魯佳雯;基于商業(yè)模式創(chuàng)新的網(wǎng)絡(luò)金融研究[D];南京大學(xué);2013年

，

本文編號(hào)：1611866