本文關鍵詞： 互聯(lián)網金融 風險 法律體系　出處：《河北經貿大學》2017年碩士論文　論文類型：學位論文

【摘要】：互聯(lián)網金融作為傳統(tǒng)金融模式的創(chuàng)新在近年來受到人們的普遍關注,成為普通民眾廣泛熱議的話題�；ヂ�(lián)網金融有別于傳統(tǒng)金融模式在于互聯(lián)網金融是依托于互聯(lián)網大數據技術、移動通信技術在傳統(tǒng)金融模式上進行的升級,來實現資金的融通、支付和信息中介發(fā)展起來的新金融模式。其本身在不斷發(fā)展過程中既呈現出互聯(lián)網發(fā)展過程中的風險特點同時又具備了傳統(tǒng)金融發(fā)展中的風險特點,這就決定了互聯(lián)網金融風險比傳統(tǒng)金融風險更復雜性、風險治理難度更加困難。我國互聯(lián)網金融發(fā)展時間還比較短,在不斷發(fā)展過程中存在互聯(lián)網金融立法規(guī)范不完善、互聯(lián)網金融企業(yè)市場準入標準低、混業(yè)經營等問題,但是,從當前我國互聯(lián)網金融風險治理來看,互聯(lián)網金融風險仍然處于可控范圍之內。構建互聯(lián)網金融法律治理體系為互聯(lián)網金融創(chuàng)新提供法律支撐,降低互聯(lián)網金融創(chuàng)新風險,促進互聯(lián)網金融更好發(fā)展應該是當前防范互聯(lián)網金融風險工作的首要目標。黨的十八屆四中全會提出全面依法治國的基本方略,這也就為我國互聯(lián)網金融風險治理提供了法律理論依據,在互聯(lián)網金融風險治理過程中以我國現有傳統(tǒng)金融行業(yè)相關立法為基礎加快互聯(lián)網金融風險治理方面立法,同時我們還可以借鑒歐美等國家在互聯(lián)網金融風險治理相關法律經驗來規(guī)范互聯(lián)網金融行業(yè)創(chuàng)新體制來制定適合我國互聯(lián)網金融健康發(fā)展的立法監(jiān)管制度。互聯(lián)網金融立法在堅持互聯(lián)網金融創(chuàng)新的基礎上充分發(fā)揮互聯(lián)網金融對經濟發(fā)展的推動作用,保持互聯(lián)網金融行業(yè)持續(xù)發(fā)展,維護互聯(lián)網金融消費者合法權益。本文除了引言和結語外文章主要有五部分內容。第一部分,主要闡述互聯(lián)網金融的基本定義和分類。從互聯(lián)網金融的定義和分類進行分析便于在對我國互聯(lián)網金融清晰認識的基礎上來預判互聯(lián)網金融在發(fā)展過程中可能出現的風險問題。第二部分,主要分析我國互聯(lián)網金融在發(fā)展過程中呈現出的風險。互聯(lián)網金融作為一種新型金融模式其既有互聯(lián)網技術本身的特點同時傳統(tǒng)金融本身的特點,從互聯(lián)網金融技術風險入手來進一步闡述互聯(lián)網金融在發(fā)展過程中存在的法律風險、監(jiān)管風險、資金流動性風險,為互聯(lián)網金融風險立法、互聯(lián)網金融風險法律治理體系的構建具有目標導向作用。第三部分,介紹了我國當前互聯(lián)網金融風險法律治理的現狀。從互聯(lián)網金融企業(yè)本身和互聯(lián)網金融風險法律制度這兩個層面來分析互聯(lián)網金融風險治理過程中存在的互聯(lián)網金融企業(yè)技術風險、互聯(lián)網金融企業(yè)市場準入標準風險、互聯(lián)網金融企業(yè)信息披露問題、互聯(lián)網金融征信法規(guī)問題、互聯(lián)網金融管制法規(guī)欠缺、互聯(lián)網金融監(jiān)管主體不明確、互聯(lián)網金融企業(yè)缺乏市場準入法律機制做引導等現狀。第四部分,主要研究的是美國、英國和歐盟這三個國家和地區(qū)對于互聯(lián)網金融風險治理的經驗。美國對于互聯(lián)網金融風險治理擁有完善的風險治理法律框架、加強聯(lián)邦政府和地方各州共同監(jiān)管、完善互聯(lián)網金融消費者保護機制系等措施來治理互聯(lián)網互聯(lián)網金融風險;歐盟則是通過變革原有的互聯(lián)網金融監(jiān)管法律體系、加強歐洲央行的監(jiān)管和互聯(lián)網金融企業(yè)行業(yè)自律意識來治理互聯(lián)網金融風險。英國,一方面充分發(fā)揮互聯(lián)網金融行業(yè)自律協(xié)會的作用,由互聯(lián)網金融行業(yè)自律協(xié)會來加強對互聯(lián)網金融主體的監(jiān)管,同時英國政府也加強對互聯(lián)網金融主體采取分部門有針對性的監(jiān)管。通過比較美國、歐盟和英國對于互聯(lián)網金融風險不同的治理措施,借鑒和吸收有利于我國互聯(lián)網金融風險防范、治理的建設性經驗,為我國互聯(lián)網金融風險法律治理體系的建立和完善提出借鑒性的建議。第五部分,主要是對我國互聯(lián)金融風險法律治理提出的具體建議。由于傳統(tǒng)的金融監(jiān)管法律體系很難適用于互聯(lián)網金融風險監(jiān)管,應該結合互聯(lián)網金融的特點及特有的風險,從互聯(lián)網金融風險監(jiān)管立法、征信體系建設、地方政府對于互聯(lián)網金融企業(yè)監(jiān)管、互聯(lián)網金融企業(yè)行業(yè)自律建設等方面相關制度上對我國互聯(lián)網金融的發(fā)展提出了相關立法建議。
[Abstract]:The Internet financial innovation as the traditional financial model in recent years has attracted widespread attention, ordinary people become hot topic widely. Internet banking is different from the traditional financial model is that Internet banking is relying on the Internet and big data technology, mobile communication technology in the traditional financial model on the upgrade, to achieve financing payment and the development of new financial information intermediary mode. In its own development process not only shows the risk characteristics of the Internet in the development process but also has the characteristics of traditional financial risk in the development of the Internet, which determines the financial risk more complex than the traditional financial risk, risk management more difficult. The development of Internet banking our country is still relatively short, constantly in the process of the development of Internet financial legislation is not perfect, the Internet financial market access Low standard, mixed operation and other issues, however, from the current governance of Internet financial risk in our country, the financial risks of the Internet is still in the controllable range. To provide legal support for the construction of Internet financial innovation of Internet governance system of financial law, Internet reduces the risk of financial innovation, and promote the better development of Internet banking should be a primary goal of Internet financial risk prevention work current the party put forward the basic strategy of the fourth Plenary Session of the 18th CPC Central Committee. All of the rule of law, which also provides theoretical basis for the legal governance of Internet financial risk in our country, the Internet financial risk management process based on our existing traditional financial industry related legislation based on the Internet to speed up financial risk governance legislation, at the same time, we can also draw lessons from Europe and other countries in the Internet financial risk management experience of relevant laws to regulate the Internet Financial Bank For the healthy development of China's Internet financial legislation supervision system of industry innovation system. Internet financial legislation play a positive role in the Internet Finance on economic development based on Internet financial innovation, maintain the sustainable development of Internet financial industry, safeguarding the legitimate rights and interests of consumers of Internet banking. In addition to the introduction and conclusion the article five part of the contents. The first part mainly expounds the basic definition and classification of Internet financial analysis. For up to predict the Internet financial risk problems may occur in the process of the development of China's Internet Banking Based on a clear understanding of the definition and classification of Internet finance. The second part mainly analyzes the risks of China's Internet banking presents in the in the process of the development of Internet banking as a new financial model is the Internet technology itself Characteristics and characteristics of traditional finance itself, from the Internet financial risk of technology to further elaborate the legal risks of Internet banking in the development process of the existing regulatory risk, liquidity risk, financial risk for the Internet legislation, with the goal oriented construction of Internet financial risk legal governance system. The third part introduces the current situation of our country the current Internet financial risk legal governance. To analyze the Internet financial risk exists in the enterprise technology of Internet financial risk management process from the two aspects of Internet financial enterprises and the financial risks of the Internet legal system, standard access internet financial enterprise market risk, information disclosure problems of Internet financial enterprises, Internet Financial credit regulations, Internet financial regulation a lack of regulations, the Internet financial regulatory body is not clear, the Internet Financial Enterprises The lack of legal mechanism of market access guide status. The fourth part, the main research is the United States, the experience for the Internet financial risk governance in UK and EU three countries and regions. The United States for the Internet financial risk management risk management has a perfect legal framework, strengthen the federal and state supervision, improve the consumer protection mechanism of Internet the Department of Finance and other measures to control the Internet financial risk; the EU is through the transformation of the original Internet financial supervision legal system, strengthen the supervision of the European Central Bank and the Internet financial enterprise self-discipline to control the financial risks of the Internet. On the one hand, the British, give full play to the role of the association of Internet financial industry self-regulation, the Internet financial industry self-discipline Association strengthen the Internet financial regulatory body, at the same time, the British government is to strengthen the Internet gold The main financial department to take targeted supervision. Through the comparison of the United States, the European Union and the United Kingdom for the Internet financial risk different governance measures, learn and absorb the beneficial financial risk prevention of China's Internet governance, the construction experience, puts forward some suggestions to establish and perfect the law of Internet Financial risk in our country law governance system. The fifth part is mainly on the specific proposals of China's Internet financial risk legal governance. Because of the traditional legal system of financial supervision is difficult to apply to the Internet banking risk supervision, should be combined with the characteristics of Internet banking and the unique risk from the Internet financial risk supervision legislation, the construction of credit system, the local government for the regulation of Internet financial enterprises the Internet financial enterprises, construction industry self-regulation and other related systems on the relevant legislative proposals on the development of China's Internet banking is put forward.

【學位授予單位】：河北經貿大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：D922.28

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