本文關鍵詞：政府對互聯網金融風險監(jiān)管職能研究　出處：《海南大學》2017年碩士論文　論文類型：學位論文

  更多相關文章： 政府 互聯網 監(jiān)管 職能

【摘要】：互聯網金融在新世紀后呈現出迅猛發(fā)展態(tài)勢,并且逐漸成為了傳統(tǒng)金融業(yè)中必不可缺的部分,存在諸多貢獻,例如居民財富管理方式的多元化、小微企業(yè)融資扶持以及實體經濟發(fā)展助力等等。然而在互聯網金融發(fā)展的同時,一些局部金融風險開始逐漸產生,且不斷增幅,并且受到了社會各界的廣泛關注。本質上來看,金融風險存在一定的傳染性,若是出現局部金融風險,且沒有合理應對或是處理的話,勢必造成全局性系統(tǒng)性風險的產生。這就需要進一步加強理論研究,為完善政府現有的金融監(jiān)管職能提供科學的理論指導。理性經濟人假設能夠推動個人利己主義行為在"看不見的手"之下,對市場均衡狀態(tài)實行調整與構建,只要是市場信息,就都能夠利用均衡市場價格的方式予以體現。在此作用下,互聯網金融監(jiān)管開始愈發(fā)放任,然而,在其達到理想假設之前,市場中依舊有著各類非有效因素,造成了互聯網金融無監(jiān)管形勢的局限,令之不具備可能性。對此,我們應當了解到,作為金融創(chuàng)新和風險防控的互聯網金融,存在著一定的矛盾性與依賴性,在對金融創(chuàng)新予以強調之時,同時存在著提高風險防控能力與水平的要求,并對互聯網金融監(jiān)管力度予以強化,通過風險防范,實現二者平衡狀態(tài)的把控與維持。我國金融業(yè)創(chuàng)新開始迅速發(fā)展,各類金融產品不斷被研發(fā)和生產,金融活動類別愈發(fā)多元化,其表現形式則開始變得復雜、多樣和隱蔽,這也造成了各類問題及弊端的產生,例如監(jiān)管局限、監(jiān)管真空等等,在此形勢下,傳統(tǒng)監(jiān)管體系、宏觀審慎管理開始面對新要求。另外則是對于互聯網金融監(jiān)管力度與金融監(jiān)管體制變革的深化,盡可能的對一些機制與體制限制予以突破,從而實現風險的預防及化解,同時對金融變革實行推進,從而為金融體系的構建、金融風險化解以及金融生產力的發(fā)揮奠定良好基礎。在互聯網金融監(jiān)管方面,主要是對于金融變革的強化,建立健全金融監(jiān)管法律法規(guī)體系與制度,對金融監(jiān)管職責做出科學安排,同時緊抓制度,通過對金融監(jiān)管資源配置的優(yōu)化,以及金融創(chuàng)新、風險防范關系的把控,令金融風險具備全覆蓋特征,從而實現系統(tǒng)性金融風險的規(guī)避和解決。只有將金融監(jiān)管的"頂層設計"和金融市場的"自主創(chuàng)新"結合起來,才能不斷克服互聯網金融發(fā)展過程中的各種問題和困難,實現風險防范、深化改革間關系的良好處理,利用政府監(jiān)管職能對市場配置資源的決定性作用進行充分發(fā)揮,在提升金融體系效率的同時,促進互聯網金融市場的進一步發(fā)展。本文內容,除緒論和結論外,正文包括五個部分:第一部分,分析了相關概念和基本理論。首先進行了政府職能、互聯網金融、互聯網金融監(jiān)管風險以及互聯網金融模式等相關概念的介紹及定義明確;同時基于互聯網金融監(jiān)管體系,對互聯網金融風險管理理論依據實行了探究與分析,存在三個部分,一為科斯定理理論、二為市場失靈理論、三則是政府職能理論。第二部分,主要對政府在互聯網風險方面的監(jiān)管要求進行了介紹。先是互聯網金融風險類別的調查與闡述;再到政府對互聯網金融實行監(jiān)管必要性的探究;并針對政府監(jiān)管互聯網金融風險,提出了相應的要求及方法。第三部分,主要對國內目前互聯網金融風險的監(jiān)管情況展開了探討。先概述了國內互聯網金融模式和各類監(jiān)管機構,有進一步對互聯網金融監(jiān)管變革現狀進行了介紹;除此之外,本章節(jié)還通過案例研究與闡述,實現了政府在互聯網金融風險監(jiān)管方面存在的弊端及問題。第四部分,重點進行了政府在互聯網金融風險監(jiān)管借鑒方面的介紹。以澳大利亞、日本、美國等為例,對其互聯網金融監(jiān)管思路實行了探究與分析,并獲取到了相應結論。即法規(guī)先行,行為與審慎監(jiān)管并重;公平監(jiān)管,維護借貸雙方利益;且就要實現多元化、集約化以及合理監(jiān)管的并存。第五部分,針對政府在互聯網金融監(jiān)管職能方面的問題,提出了相應的解決方案與建議。它們分別是:明確監(jiān)管主體;加強金融監(jiān)管協調;完善法律制度建設;完善對社會征信體系的建設;建設數據系統(tǒng),加強信息披露;建立消費者權益保護制度,形成完善的互聯網金融監(jiān)管體系。
[Abstract]:Internet banking presents a rapid development trend in the new century, and gradually become the indispensable part of the traditional financial industry, there are many contributions, such as wealth management mode of diversification, Small and micro businesses financing support and help the development of the real economy and so on. But in the financial development of the Internet at the same time, some local financial risks began to produce, and continue to increase, and has attracted extensive attention from all walks of life. In fact, there are some contagious financial risks, if the local financial risk, and there is no reasonable or to deal with the case, will cause the global systemic risk. So it is necessary to strengthen the theoretical research, provide scientific guidance in order to improve the function of governmental finance supervision. The existing rational economic man hypothesis can promote egoism behavior in the "invisible hand", The adjustment and construction of market equilibrium, as long as the market information, it will be able to use the equilibrium market price to reflect. In this role, the Internet financial supervision is becoming more and more distributed, however, before it reaches the ideal hypothesis, the market still has all kinds of non effective factors, resulting in the Internet financial supervision the situation that does not have the possibility of limitations. In this regard, we should understand that, as a financial innovation and risk control of Internet banking, there is a certain contradiction and dependence, to be strong to financial innovation, also exist to improve risk control ability and level requirements, and the supervision of the Internet to strengthen the financial risk prevention, through, realizing the balance of the two state to control and maintain. China's financial industry innovation began to develop rapidly, all kinds of financial products are financial development and production. Types of activities in the form of increasingly diverse, began to become more complex, diverse and hidden, which also caused various problems and shortcomings, such as regulatory limitations, regulatory vacuum and so on, in this situation, the traditional supervision system, macro Prudential Management began to face new requirements. The other is to deepen the reform of the supervision of Internet banking and finance the regulatory system, as far as possible to break through some of the mechanisms and institutional constraints, so as to realize the risk prevention and resolution, and the promotion of financial reform, so as to build a financial system, financial risk and financial productivity to lay a good foundation. Financial regulation in the Internet, mainly for the financial reform is to strengthen and establish and perfect the legal system of financial supervision system and make scientific arrangement of financial supervision, and grasp the system, the financial regulatory capital Optimize the allocation of resources, and the relationship between financial innovation and risk prevention to control financial risks, to have full coverage characteristics, so as to realize the systematic financial risk aversion and solve. Only the financial supervision of the top-level design of the financial market and the "independent innovation" together, in order to overcome all kinds of problems and difficulties in the development process Internet banking, the realization of risk prevention, good treatment to deepen the reform of the relationship between full play a decisive role in the functions of government regulation on market allocation of resources, enhance the efficiency of the financial system in the same time, promote the further development of the Internet Financial market. The content of this paper, apart from the introduction and conclusion, the text includes five parts: the first part analyzes the relevant concepts and basic theories. Firstly, the functions of the government, Internet banking, Internet banking and Internet banking risk supervision mode etc. The definition and clear the concept of Internet based financial supervision system; at the same time, the Internet financial risk management theory carried out research and analysis, there are three parts, one for the Kos theorem, the theory of market failure, the three is the theory of government functions. The second part, mainly on the government in the Internet risk regulatory requirements the first is introduction. And describes the survey of Internet financial risk categories; to explore the implementation of government supervision of the importance of the Internet finance; and for the government regulation of Internet financial risk, and puts forward some corresponding requirements and methods. The third part, mainly on the current regulatory situation of Internet financial risk is discussed. The first overview the domestic Internet financial model and various regulatory agencies, to further the status of Internet financial regulatory changes are introduced; besides, this chapter also. With the elaborate case study, realized the drawbacks and problems existing in the government regulation of Internet financial risk. In the fourth part, the focus of the government in the Internet financial risk supervision from the aspects of the introduction. In Australia, Japan, the United States, for example, the Internet financial regulatory ideas carried out research and analysis, and access to the corresponding conclusion. Regulations, both behavior and prudential supervision; fair, safeguard the interests of the two parties; and to achieve diversification, the coexistence of intensive and reasonable supervision. In the fifth part, aiming at the problem of the government in the Internet financial supervision function, put forward relevant solutions and ideas. They are: clear the regulatory body; strengthen financial supervision and coordination; perfecting the legal system construction; improve the construction of social credit system construction; data system, strengthen information disclosure; establish the rights and interests of consumers To protect the system and form a perfect Internet financial supervision system.

【學位授予單位】：海南大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F724.6;F832.1

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