本文選題：互聯(lián)網(wǎng)平臺 + 基金銷售��； 參考：《遼寧大學(xué)》2016年碩士論文

【摘要】：互聯(lián)網(wǎng)基金銷售作為新興起的基金銷售形式,是對我國基金銷售的重要補(bǔ)充,但我國現(xiàn)有的法律卻不能完全適用這種銷售模式的發(fā)展,故,相應(yīng)監(jiān)管法律法規(guī)的出臺是十分必要和緊迫的。本文從理論依據(jù)、我國立法現(xiàn)狀及缺陷等角度展開分析,并在此基礎(chǔ)上提出完善建議,進(jìn)而為互聯(lián)網(wǎng)基金銷售構(gòu)建一個安全、有序的發(fā)展環(huán)境。本文主要分為三個部分,第一部分是互聯(lián)網(wǎng)基金銷售的一般理論。主要介紹了互聯(lián)網(wǎng)基金銷售的概念及特點,體現(xiàn)了互聯(lián)網(wǎng)基金銷售的高收益性、高流動性、低門檻性、提高社會閑散資金的利用率和拓寬了基金銷售的渠道的特點；對互聯(lián)網(wǎng)基金銷售模式予以法律分析,主要以余額寶為例,分析了余額寶的法律性質(zhì)、主體架構(gòu)和運營中的法律關(guān)系；進(jìn)一步闡述了互聯(lián)網(wǎng)基金銷售法律監(jiān)管的必要性。第二部分對我國互聯(lián)網(wǎng)基金銷售法律監(jiān)管現(xiàn)狀及存在的問題進(jìn)行分析。主要介紹了我國互聯(lián)網(wǎng)基金銷售法律監(jiān)管現(xiàn)狀,從現(xiàn)有的法律規(guī)范體系和法律適用兩個角度展開闡述,并在此基礎(chǔ)上提出我國互聯(lián)網(wǎng)基金銷售存在的問題。第三部分是我國互聯(lián)網(wǎng)基金銷售法律監(jiān)管的完善建議,分別從法律法規(guī)的建設(shè)、主體職責(zé)的明確、平臺法律地位的界定、行業(yè)內(nèi)部監(jiān)管的加強(qiáng)、信息披露和風(fēng)險管理等六個方面加以明確。全文在一系列理論和實務(wù)分析研究的基礎(chǔ)上,旨在分析我國互聯(lián)網(wǎng)基金銷售過程存在的問題,進(jìn)而提出完善建議。筆者認(rèn)為,互聯(lián)網(wǎng)基金銷售這種創(chuàng)新基金銷售模式將代表著互聯(lián)網(wǎng)金融未來的發(fā)展方向,隨著這種銷售模式的快速發(fā)展,只有建立完善的法律監(jiān)管機(jī)制,才能實現(xiàn)我國金融行業(yè)健康、有序、多元化的發(fā)展。
[Abstract]:As a newly emerging form of fund sales, Internet fund sales is an important supplement to fund sales in China, but the existing laws of our country can not fully apply to the development of this kind of sales model. The introduction of corresponding regulatory laws and regulations is very necessary and urgent. This paper analyzes the theoretical basis, the current situation and defects of legislation in China, and puts forward some suggestions on how to build a safe and orderly development environment for the sale of Internet funds. This paper is divided into three parts, the first part is the general theory of Internet fund sales. This paper mainly introduces the concept and characteristics of Internet fund sales, which embodies the characteristics of high profitability, high liquidity and low threshold of Internet fund sales, and improves the utilization rate of social idle funds and widens the channel of fund sales. Taking Yu'e Bao as an example, this paper analyzes the legal nature of Yu'e Bao, the main body structure and the legal relationship in operation, and further expounds the necessity of legal supervision of Internet fund sales. The second part analyzes the current situation and existing problems of the legal supervision of internet fund sales in China. This paper mainly introduces the current situation of the legal supervision of Internet fund sales in China, expounds the existing legal normative system and legal application, and puts forward the problems existing in the sales of Internet funds in China on this basis. The third part is the perfect suggestions on the legal supervision of Internet Fund sales in China, respectively, from the construction of laws and regulations, the clear responsibility of the main body, the definition of the legal status of the platform, and the strengthening of the internal supervision of the industry. Information disclosure and risk management should be defined in six aspects. On the basis of a series of theoretical and practical analysis, this paper aims to analyze the problems existing in the process of selling Internet funds in China, and then put forward some suggestions for perfection. The author believes that Internet fund sales this innovative fund sales model will represent the future development direction of Internet finance. With the rapid development of this sales model, only to establish a sound legal regulatory mechanism, In order to achieve healthy, orderly and diversified development of our financial industry.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：D922.28

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