本文選題：互聯(lián)網金融　切入點：金融監(jiān)管　出處：《山東大學》2017年碩士論文　論文類型：學位論文

【摘要】：近年來,互聯(lián)網金融憑借便利、快捷、高效、低成本等一系列優(yōu)勢,顛覆了以往的金融支付和交易方式,給傳統(tǒng)金融機構和金融體系帶來巨大沖擊,并呈現出混業(yè)經營、國際化等發(fā)展特點。在高速發(fā)展的同時,由于法律體系不健全、監(jiān)管滯后、內控不健全、行業(yè)自律缺失等原因,互聯(lián)網金融機構也面臨著諸多風險。與美國、英國等發(fā)達國家相比,我國互聯(lián)網金融監(jiān)管還存在突出問題。金融業(yè)具有很強的外部性,互聯(lián)網金融亂象已然影響到我國金融的穩(wěn)定。對相關問題展開研究,改進完善我國互聯(lián)網金融監(jiān)管,既有理論意義,又有實踐價值。本文把具有規(guī)模效應和低邊際成本的金融服務看作具有非排他性、弱競爭性的公共產品,將金融監(jiān)管看作政府干預市場、提高資源配置效率、緩解市場失靈的有效手段,綜合運用政治學、管理學、經濟學、金融學等理論,從我國互聯(lián)網金融發(fā)展與監(jiān)管的現狀出發(fā),勾勒出當前監(jiān)管體制存在的問題,給出強化我國互聯(lián)網金融監(jiān)管的政策建議,以期實現互聯(lián)網金融創(chuàng)新得到充分鼓勵、風險問題得到有效處置、違法犯罪行為大幅減少、市場信心有效增強、消費者合法權益得到充分保護的良好局面。本文分為五章。第一章是緒論,主要介紹了研究的目的、意義、方法和創(chuàng)新點,并對國內外研究現狀進行了梳理。第二章從現狀、特點、風險三個角度論證互聯(lián)網金融監(jiān)管的必要性,采用案例研究法,從互聯(lián)網金融不同表現形式入手,介紹了互聯(lián)網金融發(fā)展現狀,并以案例說明了互聯(lián)網金融所面臨的流動性風險、信用風險、聲譽風險、科技風險、合規(guī)風險和操作風險。第三章綜合分析了我國互聯(lián)網金融監(jiān)管現狀,從法律法規(guī)體系不健全、監(jiān)管主體間協(xié)調難度大、容易導致重復監(jiān)管和監(jiān)管真空、監(jiān)管與創(chuàng)新不夠協(xié)調、行業(yè)自律不到位等五個方面總結了存在的問題。第四章采用比較研究法,在借鑒美國、英國互聯(lián)網金融監(jiān)管經驗的基礎上,給出了強化我國互聯(lián)網金融監(jiān)管的政策建議。第五章給出了本文的結論與展望。本文的創(chuàng)新點在于從我國互聯(lián)網金融發(fā)展和"一行三會、垂直分業(yè)"的監(jiān)管體制現狀出發(fā),對已發(fā)布的互聯(lián)網金融監(jiān)管政策法規(guī)進行了較為全面的梳理,對中央金融監(jiān)管部門、地方金融監(jiān)管部門、行業(yè)自律組織在互聯(lián)網金融監(jiān)管中應當發(fā)揮的作用進行了較為深入的探索。本文按照從宏觀到微觀、從頂層到基層、從理念到操作的原則,從"法律、原則、機制、實務、環(huán)境"五個方面給出了強化我國互聯(lián)網金融監(jiān)管的政策建議,具有較強的可操作性。
[Abstract]:In recent years, Internet finance, by virtue of a series of advantages, such as convenience, speed, efficiency, low cost and so on, has overturned the past financial payment and transaction methods, which has brought great impact to the traditional financial institutions and financial system, and presented a mixed operation. Internationalization and other characteristics of development. At the same time of rapid development, Internet financial institutions are also facing many risks because of the imperfect legal system, lagging supervision, imperfect internal control, lack of self-discipline in the industry, and so on. Compared with Britain and other developed countries, there are still outstanding problems in the supervision of Internet finance in our country. The financial industry has a strong externality, and the chaos of Internet finance has affected the stability of our financial system. Improving and perfecting China's Internet financial supervision has both theoretical significance and practical value. This paper regards financial services with scale effect and low marginal cost as non-exclusive and weakly competitive public goods. Taking financial supervision as an effective means for government to intervene in the market, to improve the efficiency of resource allocation and to alleviate the market failure, and to apply the theories of politics, management, economics, finance and so on, from the current situation of the development and supervision of Internet finance in China. This paper outlines the problems existing in the current regulatory system, and puts forward some policy suggestions for strengthening the supervision of Internet finance in China, in order to encourage the Internet financial innovation to be fully encouraged, to deal with the risk problems effectively, and to reduce the illegal and criminal activities substantially. This paper is divided into five chapters. The first chapter is the introduction, which mainly introduces the purpose, significance, method and innovation of the research. The second chapter demonstrates the necessity of Internet financial supervision from three angles: current situation, characteristics and risks, using case study method, starting with different manifestations of Internet finance. This paper introduces the current situation of Internet finance development, and illustrates the liquidity risk, credit risk, reputation risk, scientific and technological risk faced by Internet finance. The third chapter comprehensively analyzes the current situation of Internet financial supervision in China. From the aspects of imperfect laws and regulations, the coordination between the regulatory bodies is difficult, it is easy to lead to repeated supervision and regulatory vacuum, supervision and innovation is not coordinated. Chapter 4th uses comparative research method to learn from the experience of Internet financial supervision in the United States and Britain. This paper puts forward some policy suggestions to strengthen the supervision of Internet finance in China. Chapter 5th gives the conclusion and prospect of this paper. The innovation of this paper lies in the development of Internet finance in China and the present situation of supervision system of "one line, three sessions, vertical separation". Has carried on the relatively comprehensive combing to the published Internet financial supervision policy and regulation, to the central financial supervision department, the local financial supervision department, The role that industry self-discipline organizations should play in Internet financial supervision has been explored in depth. According to the principles from macro to micro, from the top to the grass roots, from concept to operation, this paper goes from "law, principle, mechanism, practice," This paper puts forward some policy suggestions on strengthening internet financial supervision in China from five aspects of environment, and it has strong maneuverability.
【學位授予單位】：山東大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F724.6;F832.1

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