本文關鍵詞： 互聯(lián)網(wǎng)平臺 基金銷售 法律監(jiān)管　出處：《華東政法大學》2014年碩士論文　論文類型：學位論文

【摘要】：互聯(lián)網(wǎng)基金銷售是指通過互聯(lián)網(wǎng)銷售基金的行為，文本主要分析基金銷售機構與互聯(lián)網(wǎng)平臺合作銷售基金的情況，主要以余額寶為例。作為基金銷售的創(chuàng)新模式，一出現(xiàn)就伴隨著爭議。隨著規(guī)模的迅速擴大，監(jiān)管的呼聲也不斷加強。為了規(guī)范金融創(chuàng)新，保障投資者合法權益，本文試圖解決其中的種種問題，使互聯(lián)網(wǎng)基金銷售在合法合規(guī)中走得更遠。 文章主要分為四個章節(jié)，第一章是互聯(lián)網(wǎng)基金銷售法律監(jiān)管概述，第一節(jié)介紹了互聯(lián)網(wǎng)基金銷售的概念界定。第二節(jié)是互聯(lián)網(wǎng)基金銷售的特點及意義，特點包括高收益、高流動性、低門檻；意義包括提高社會閑散資金利用率，拓寬基金銷售渠道。第三節(jié)是互聯(lián)網(wǎng)基金銷售的模式分析，主要以余額寶為例，介紹了余額寶的概況，主體架構及業(yè)務流程。第四節(jié)是互聯(lián)網(wǎng)基金銷售法律監(jiān)管的界定，主要包括法律監(jiān)管的概念，，法律監(jiān)管的要素。 本文第二章分析了互聯(lián)網(wǎng)基金銷售法律監(jiān)管的必要性，主要從三個方面進行闡述，第一節(jié)是互聯(lián)網(wǎng)平臺的法律地位模糊，第二節(jié)是互聯(lián)網(wǎng)基金銷售宣傳推介的規(guī)范性不足，第三節(jié)是互聯(lián)網(wǎng)基金銷售的交易風險亟需加強。 本文第三章是互聯(lián)網(wǎng)基金銷售法律監(jiān)管的比較。第一節(jié)介紹了互聯(lián)網(wǎng)基金銷售法律監(jiān)管的美國經(jīng)驗。第二節(jié)介紹了國內(nèi)實踐，對我國互聯(lián)網(wǎng)基金銷售的規(guī)范體系、監(jiān)管現(xiàn)狀作了分析。 本文第四章是完善互聯(lián)網(wǎng)基金銷售法律監(jiān)管的構想。第一節(jié)是監(jiān)管要素，從四個方面提出了完善意見，一是監(jiān)管理念，確立互聯(lián)網(wǎng)基金銷售的監(jiān)管原則，包括效率優(yōu)先，鼓勵創(chuàng)新，及功能監(jiān)管原則；二是監(jiān)管依據(jù)，制定互聯(lián)網(wǎng)基金銷售的專門規(guī)定；三是監(jiān)管對象，明確互聯(lián)網(wǎng)平臺的法律定位；四是監(jiān)管主體，理順以證監(jiān)會為中心的監(jiān)管體系。第二節(jié)是監(jiān)管機制，即進一步提高市場的規(guī)范性，包括完善市場準入機制，加強風險管理機制，及加大法規(guī)執(zhí)行力度。
[Abstract]:Internet fund sales refers to the behavior of selling funds through the Internet. The text mainly analyzes the cooperation of fund sales agencies and Internet platforms in the sale of funds. Mainly take Yu'e Bao as an example. As an innovative model of fund sales, as soon as the emergence of controversy. With the rapid expansion of the scale, the voice of regulation has been strengthened. In order to standardize financial innovation. In order to protect the legitimate rights and interests of investors, this paper tries to solve the problems and make the sales of Internet funds go further in the legal compliance. The article is mainly divided into four chapters, the first chapter is an overview of the legal supervision of Internet Fund sales, the first section introduces the concept of Internet Fund sales. The second section is the characteristics and significance of Internet Fund sales. Features include high returns, high liquidity, low thresholds; The third section is the model analysis of Internet fund sales, mainly taking Yu'e Bao as an example to introduce the general situation of Yu'e Bao. Section 4th is the definition of legal supervision of Internet fund sales, including the concept of legal supervision and the elements of legal supervision. The second chapter analyzes the necessity of legal supervision of Internet Fund sales, mainly from three aspects, the first section is the legal status of the Internet platform is vague. The second section is the lack of standardization of marketing promotion of Internet funds, and the third section is that the transaction risk of Internet fund sales needs to be strengthened. The third chapter is the comparison of the legal regulation of the sale of Internet funds. The first section introduces the American experience of the legal regulation of the sale of Internet funds. The second section introduces the domestic practice. This paper analyzes the normative system and supervision status of internet fund sales in China. Chapter 4th is the concept of perfecting the legal supervision of Internet Fund sales. The first section is the regulatory elements, from four aspects to improve the views, the first is the concept of supervision, the establishment of the principles of supervision of Internet Fund sales. Including efficiency priority, encouraging innovation, and functional regulatory principles; Second, the basis of supervision and development of the Internet Fund sales special provisions; Third, the object of supervision and the legal position of Internet platform; The second section is the regulatory mechanism, that is, to further improve the regulation of the market, including improving the market access mechanism, strengthening risk management mechanism. And increase the enforcement of laws and regulations.
【學位授予單位】：華東政法大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.51

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