本文選題：余額寶 + 法律風(fēng)險(xiǎn)��； 參考：《上海師范大學(xué)》2015年碩士論文

【摘要】：網(wǎng)絡(luò)金融的發(fā)展是當(dāng)今金融業(yè)發(fā)展的巨大變革與發(fā)展趨勢(shì),而網(wǎng)絡(luò)金融的發(fā)展也離不開(kāi)金融創(chuàng)新產(chǎn)品的推動(dòng)。支付寶公司于2013年推出的余額寶業(yè)務(wù),一經(jīng)上市迅速成為中國(guó)用戶數(shù)最大的金融產(chǎn)品,還形成了一種“余額寶效應(yīng)”。在這個(gè)效應(yīng)影響之下,一些商業(yè)銀行和基金公司,相繼推出了一系列類余額寶的產(chǎn)品以爭(zhēng)奪網(wǎng)絡(luò)金融市場(chǎng)。在此推動(dòng)下,互聯(lián)網(wǎng)金融也成為大家關(guān)注的焦點(diǎn)。然而,在余額寶推出后不久,金融業(yè)內(nèi)及法律人士紛紛對(duì)此類網(wǎng)絡(luò)金融產(chǎn)品的監(jiān)管和法律風(fēng)險(xiǎn)提出了質(zhì)疑,甚至有人主張取締余額寶。雖然證監(jiān)會(huì)表示余額寶等尚且處于有效的監(jiān)管之下,但伴隨著此類金融產(chǎn)品的不斷增多,新的創(chuàng)新產(chǎn)品不斷出現(xiàn),相關(guān)問(wèn)題更逐漸顯現(xiàn)�；ヂ�(lián)網(wǎng)金融的風(fēng)生水起,相關(guān)制度的缺失,監(jiān)管與防范的不力,給我們的金融生活埋下的隱患。如何正確認(rèn)知以余額寶為代表的互聯(lián)網(wǎng)金融產(chǎn)品的法律風(fēng)險(xiǎn),進(jìn)行風(fēng)險(xiǎn)防范推斷,乃至可以進(jìn)行相關(guān)的法律制度的構(gòu)建已成為我們不得不面對(duì)的問(wèn)題。本文以經(jīng)濟(jì)管理學(xué)為基礎(chǔ),結(jié)合財(cái)報(bào)數(shù)據(jù)、新聞事件,運(yùn)用法律知識(shí)及研究方法,對(duì)于以余額寶的為代表的網(wǎng)絡(luò)金融創(chuàng)新產(chǎn)品的法律風(fēng)險(xiǎn)及其監(jiān)管防范問(wèn)題進(jìn)行了嘗試性探索。本文共分為六個(gè)部分,第一部分,主要闡述了余額寶的發(fā)展及選題背景,論述了研究余額寶法律風(fēng)險(xiǎn)防范的實(shí)踐意義與理論意義。第二章,概述余額寶的運(yùn)行模式,分析其中的法律關(guān)系,提出對(duì)余額寶的定性。第三章,主要分析了在我國(guó)現(xiàn)行的監(jiān)管法律制度下的監(jiān)管模式、監(jiān)管權(quán)限以及監(jiān)管原則。同時(shí)分析了現(xiàn)行監(jiān)管制度針對(duì)對(duì)余額寶監(jiān)管的不足之處。第四章,分別從余額寶背后運(yùn)營(yíng)商支付寶公司和用戶的角度,總結(jié)了余額寶運(yùn)行的各方法律風(fēng)險(xiǎn)。第五章主要對(duì)比美日對(duì)類似網(wǎng)絡(luò)金融產(chǎn)品的規(guī)定,總結(jié)美日監(jiān)管經(jīng)驗(yàn),及對(duì)我國(guó)監(jiān)管的啟示。第六章,在監(jiān)管體制的構(gòu)建方面和余額寶現(xiàn)實(shí)風(fēng)險(xiǎn)的處理中,提出對(duì)余額寶的法律風(fēng)險(xiǎn)監(jiān)管有可操作性機(jī)制構(gòu)建和具體解決方案。鑒于本人的理論水平的有限和實(shí)踐經(jīng)驗(yàn)的缺乏,文中還存在著諸多問(wèn)題,懇請(qǐng)?jiān)u審專家及答辯專家批評(píng)指正。
[Abstract]:The development of network finance is the great change and development trend of the development of financial industry nowadays, and the development of network finance can not be separated from the promotion of financial innovation products. Alipay's Yu'e Bao business, launched in 2013, has quickly become China's largest financial product by users and has created a "Yu'e Bao effect." Under the influence of this effect, some commercial banks and fund companies have launched a series of Yu'e Bao products to compete for the network financial market. In this impetus, Internet finance has also become the focus of attention. However, shortly after the launch of Yu'e Bao, financial industry and legal professionals questioned the regulatory and legal risks of such online financial products, and some even advocated banning Yu'e Bao. Although the regulator said Yu'e Bao and others are still under effective supervision, but with the increasing number of such financial products, new and innovative products are emerging, and related problems are gradually emerging. The wind and water of Internet finance, the lack of relevant system, the weak supervision and prevention, the hidden trouble of our financial life. How to correctly recognize the legal risks of Internet financial products represented by Yu'e Bao, to infer the risks, and even to construct the relevant legal system, has become the problem that we have to face. Based on economic management, combined with financial report data, news events, using legal knowledge and research methods, this paper tries to explore the legal risk and supervision of the innovative products of network finance represented by Yu'e Bao. This paper is divided into six parts. The first part mainly expounds the development of Yu'e Bao and the background of the topic, and discusses the practical and theoretical significance of the study of Yu'e Bao's legal risk prevention. In the second chapter, the author summarizes the operation mode of Yu'e Bao, analyzes its legal relationship, and puts forward the qualitative analysis of Yu'e Bao. The third chapter mainly analyzes the supervision mode, the supervision authority and the supervision principle under the current supervision law system of our country. At the same time, it analyzes the deficiency of the current supervision system in the light of Yu'e Bao's supervision. The fourth chapter summarizes the legal risks of Yu'e Bao's operation from the perspective of Alipay Company and users behind Yu'e Bao. The fifth chapter mainly contrasts the American and Japanese regulations on similar network financial products, summarizes the experience of American and Japanese supervision, and the enlightenment to our country's supervision. In the sixth chapter, in the aspect of the construction of supervision system and the treatment of Yu'e Bao's realistic risk, the author puts forward the feasible mechanism construction and concrete solution to the legal risk supervision of Yu'e Bao. In view of my limited theoretical level and lack of practical experience, there are still many problems in this paper.
【學(xué)位授予單位】：上海師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D922.28

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本文編號(hào)：1954101