本文選題：互聯(lián)網(wǎng)金融 + 互聯(lián)網(wǎng)金融消費者��； 參考：《上海師范大學(xué)》2015年碩士論文

【摘要】：互聯(lián)網(wǎng)金融給人們帶來福音的同時,卻也帶來了新的問題與挑戰(zhàn)。為了讓互聯(lián)網(wǎng)金融更為健康、有序、長遠的發(fā)展,首先必須保護好互聯(lián)網(wǎng)金融消費者的安全權(quán)。本文以互聯(lián)網(wǎng)金融的特點為切入點,針對互聯(lián)網(wǎng)金融消費者與傳統(tǒng)金融消費者及互聯(lián)網(wǎng)金融消費者安全權(quán)與傳統(tǒng)金融消費者安全權(quán)之間的不同之處,提出相關(guān)建議。具體而言,本文共有四個部分,分別是:第一部分主要是概念的界定。分為三個方面:首先,通過介紹國外學(xué)者對“互聯(lián)網(wǎng)金融”概念的界定,得出“互聯(lián)網(wǎng)金融”的概念;其次,通過同樣的方法,對“互聯(lián)網(wǎng)金融消費者”的內(nèi)涵和外延進行界定;最后,通過對比的方式介紹了互聯(lián)網(wǎng)金融消費者安全權(quán)的特點,從中可以看出保護互聯(lián)網(wǎng)金融消費者安全權(quán)的特殊性和必要性。第二部分主要是問題分析。以互聯(lián)網(wǎng)金融發(fā)展現(xiàn)狀為依托,總結(jié)出在互聯(lián)網(wǎng)金融消費者安全權(quán)保護方面的不足之處,共歸納為三點:一是互聯(lián)網(wǎng)金融機構(gòu)的法律定性不清,主要指法律和監(jiān)管理念的滯后;二是互聯(lián)網(wǎng)金融消費者資金安全保護中存在的問題,包括沉淀資金安全問題、第三方托管制度問題、擔(dān)保有效性問題、破產(chǎn)后資金安全問題等等;三是互聯(lián)網(wǎng)金融消費者信息安全保護中存在的問題,主要指互聯(lián)網(wǎng)金融機構(gòu)在收集、加工、使用、儲存和傳輸個人信息過程中所存在的問題。第三部分主要是國際經(jīng)驗的介紹。本文主要介紹了英國和美國在保護互聯(lián)網(wǎng)金融消費者安全權(quán)方面的立法和實踐經(jīng)驗。所介紹的內(nèi)容主要是以上述問題的解決為落腳點。第四部分主要針對問題提出相關(guān)建議。本文提出下列三個方面的建議,以保護互聯(lián)網(wǎng)金融消費者的安全權(quán),具體內(nèi)容包括:一是更新監(jiān)管理念;二是完善互聯(lián)網(wǎng)金融消費者資金安全保障制度,包括建立“合格投資者”準入制度、健全第三方托管制度、存款保險制度等等;三是完善互聯(lián)網(wǎng)金融消費者信息安全制度,包括明確“金融消費者信息”的內(nèi)涵、健全金融消費者信息的保護規(guī)則、破產(chǎn)后的信息保護規(guī)則等等。
[Abstract]:Internet finance brings people good news, but also brings new problems and challenges. In order to make Internet finance more healthy, orderly and long-term development, it is necessary to protect the safety rights of internet financial consumers. Based on the characteristics of Internet finance, this paper puts forward some suggestions on the differences between the safety rights of Internet financial consumers and traditional financial consumers and the security rights of traditional financial consumers. Specifically, this paper has four parts: the first part is the definition of the concept. It is divided into three aspects: first, by introducing the definition of the concept of "Internet finance" by foreign scholars, the concept of "Internet finance" is obtained; secondly, the concept of "Internet finance" is obtained through the same method. The connotation and extension of "Internet financial consumers" are defined. Finally, the characteristics of the security rights of Internet financial consumers are introduced by means of comparison. From this, we can see the particularity and necessity of protecting internet financial consumers' security right. The second part is mainly problem analysis. Based on the current situation of Internet financial development, this paper sums up the shortcomings in the protection of Internet financial consumers' security rights, and concludes the following three points: first, the legal nature of Internet financial institutions is unclear, mainly referring to the lag of legal and regulatory concepts; Second, there are some problems in the security protection of Internet financial consumers' funds, including the security of precipitated funds, the third party custody system, the validity of guarantee, the security of funds after bankruptcy and so on. The third is the problems existing in the information security protection of Internet financial consumers, which mainly refers to the problems existing in the process of collecting, processing, using, storing and transmitting personal information by Internet financial institutions. The third part is the introduction of international experience. This paper mainly introduces the legislative and practical experience of the United Kingdom and the United States in protecting the right of Internet financial consumers to safety. The content of the introduction is mainly based on the solution of the above-mentioned problems. The fourth part mainly aims at the question to put forward the related suggestion. This paper puts forward the following three suggestions to protect the security rights of Internet financial consumers: first, to update the concept of supervision; second, to improve the financial security system for Internet financial consumers. Including the establishment of a "qualified investor" access system, a sound third-party trusteeship system, a deposit insurance system, and so on; third, the improvement of the Internet financial consumer information security system, including a clear understanding of the connotation of "financial consumer information," Perfect financial consumer information protection rules, post-bankruptcy information protection rules and so on.
【學(xué)位授予單位】：上海師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：D922.28;D923.8

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