我国网络金融监管制度研究

发布时间：2018-05-03 20:35

本文选题：网络金融 + 金融监管　；参考：《山东大学》2017年硕士论文

【摘要】：网络金融在现代经济中发挥着十分重要的作用,其萌芽于互联网应用的初期阶段,早期网络金融的特点为金融机构的网络化,即借助互联网的连接功能实现各金融机构间的交流与联系,在一定程度上突破了时间和空间的限制,但由于受到网络信息技术、市场及人们对网络金融认可度等方面的影响,其发展程度与发展速度受到了限制。随着网络金融的不断进步,互联网金融业进步了发展阶段,该阶段注重互联网公司的金融化,大量的利用大数据手段,为网络金融的发展注入了更为强大的动力。到今天,网络金融更为注意平台的建设,通过网络金融平台的建设,满足了在越来越多金融产品推出情况下的集成需要,能够更好的实现对资源的整合,发挥网络金融整体性的特点。我国的网络金融开端于招商银行于1997年设立的第一家网络银行①。此后,传统的机构便开始利用网络信息技术与网络平台,相继建立自己的网络银行,开展自己的网上业务,我国的网络金融进入了发展阶段。随着网络技术的日新月异,时至今日,网络金融市场更加的繁荣,其突破了时空限制,发挥了透明性、办公无纸化、相互间交流更为密切的特点,金融产品越来越多样,网络金融市场越来越繁荣,在经济发展中的作用也更为突出。然而,面对发展势头如此强劲的网络金融,我国的网络金融监管却存在着问题与不足,主要表现在网络金融监管法律体系不健全,没有完整的市场准入标准,金融监管人才队伍建设欠缺,无法适应不断变化着的监管市场,对信息的保障与维护存在隐患,对消费者的合法权益造成威胁。本文深入分析我国网络金融监管现状,认识到我国监管存在着法律制定落后、监管体系不健全、监管人才存在缺失等问题。通过对比国外的网络监管经验,深入的了解先进国家和地区对网络金融的监管制度,及其做出的行之有效的监管措施,为我国网络金融监管提供借鉴。目前,我国的网络金融发展还处于起步初级阶段,在很多方面都存在着不足之处,需要国家监管机构完善法律体系,确立市场准入标准,适应高速发展的网络金融,给犯罪分子不留可乘之机,更好的保障消费者在网络交易中的合法权益,为网络金融环境建立强有力的制度保障。同时,加强人才培养与引进,高素质人才进入网络监管队伍,保证整个监管体系运行的规范化、程序化与专业化。本文分为五个部分:第一部分,引言。主要阐明了我国网络金融发展的特点及在对其具体的监管中所存在的问题。通过整理学者们对该课题的研究成果,对我国网络金融监管制度的建设给出自己的建议,进一步完善我国现有的监管制度。第二部分,网络金融与网络金融监管的一般了解。首先对本文所论网络金融的概念进行界定,详细阐明网络金融所包含的对象,从宏观和微观的层面详细介绍网络金融。其次,着重强调网络金融的作用与影响,网络金融不断深化着经济的发展模式,推动了经济的虚拟化、无纸化与国际化的进程,同时对传统的经济模式也带来了冲击与挑战。最后分析网络金融迅猛发展所面临的法律困境。面对网络金融的不断繁荣,为维护经济的整体平稳运行就需要对网络金融进行有效的监管,本部分突出强调网络监管的概念和所涉及的对象,在网络监管中所面对的各种问题及挑战。如,网络金融的虚拟性,金融业务的界线模糊化,国际间交流加强出现的监管问题。第三部分,我国网络金融监管的立法现状与存在问题。面对网络金融的迅猛发展,我国监管机构对其监管存在着滞后与不足,面对日趋一体化的金融模式传统的分业经营模式,制约着网络金融的监管。同时,在监管立法方面,滞后性明显,一直没有成体系的法律法规的出台,很多金融主体趁虚而入,钻法律的漏洞,使得整个网络监管模式陷入尴尬的境地。第四部分,美国与欧洲的金融监管制度及启示。我国监管机构在处理监管问题时经验不足,需要我们学习美国、欧洲等地区的网络监管经验,不断的增强我国监管机构的理论水平与业务水平,特别是在处理一些跨国性的网络监管问题时能做到尊重对方,保证本方利益,实现共赢。第五部分,我国网络金融监管制度完善建议。本部分,明确我国网络金融监管的所应坚持的法律出路,着重强调法律层面监管的重要性。同时,通过各方面的共同参与,从健全信息管理、完善人事政策、制定激励政策、加强国内国际间交流合作等方面共同为网络金融的监管实现公正、公平,合理、合法而努力。
[Abstract]:Network finance plays a very important role in the modern economy. It sprout in the initial stage of the Internet application. The characteristics of the early network finance are the network of the financial institutions, that is, the communication and connection between various financial institutions can be realized with the help of the Internet connection function, and the limitation of time and space is broken through the degree of certain range, but because of the limitation of the time and space, With the influence of network information technology, market and people's influence on the degree of network financial recognition, the development degree and speed of its development have been restricted. With the continuous progress of network finance, the Internet finance industry has developed the stage of development. This stage pays more attention to the finance of the Internet Co, and a large number of large data means are used for the development of the network finance. Today, the network finance more attention to the construction of the platform, through the construction of the network financial platform, to meet the integration needs of more and more financial products, can better realize the integration of resources, play the characteristics of the network financial integrity. China's network finance begins with China Merchants Bank Since the first network bank set up in 1997, the traditional institutions began to use network information technology and network platform, set up their own network banks and carry out their own online business. China's network finance has entered the stage of development. With the new crescent of network technology, the network financial market is more and more today. Prosperity, it breaks through the limitation of time and space, plays a transparent, paperless, and more intimate communication between each other, the financial products are more and more diverse, the network financial market is more and more prosperous, and the role of the economic development is more prominent. However, in the face of the momentum of development such as this strong network finance, the network financial supervision of our country exists. The problems and deficiencies are mainly manifested in the imperfect legal system of the network financial supervision, the lack of complete market access standards, the lack of the construction of the personnel of financial supervision, the lack of adaptation to the changing supervision market, the hidden dangers of information protection and maintenance, and the threat to the legitimate rights and interests of consumers. This paper analyzes the network of our country in depth. In the current situation of financial supervision, we recognize that there are some problems in China's supervision, such as lagging law, imperfect supervision system, lack of supervision personnel, and so on. Through comparing foreign experience on network supervision, we have a deep understanding of the supervision system of network finance in advanced countries and regions, and the effective supervision measures made for China's network financial supervision. At present, the development of China's network finance is still in the primary stage, and there are many shortcomings in many aspects. It needs the state supervision institutions to perfect the legal system, establish the standard of market access, adapt to the rapid development of the network finance, not leave the criminals to the opportunity, and better guarantee the consumer in the network transaction. Legal rights and interests to establish a strong system guarantee for the network financial environment. At the same time, to strengthen the training and introduction of talents, high quality talents enter the network supervision team and ensure the standardization, procedure and specialization of the operation of the whole supervision system. This article is divided into five parts: the first part, introduction, mainly clarifies the characteristics of the development of China's network finance. And in the specific supervision of the existing problems. By sorting out the research results of the subject, we give some suggestions to the construction of China's network financial supervision system, and further improve the existing regulatory system in China. The second part, the general understanding of the network finance and network financial supervision. The concept of finance is defined, the object of network finance is clarified in detail, and network finance is introduced in detail from the macro and micro level. Secondly, the role and influence of network finance are emphasized, the network finance deepens the economic development mode, promotes the economic virtualization, paperless and internationalized process, and the traditional classics The model also brings impact and challenge. Finally, it analyzes the legal dilemma faced by the rapid development of network finance. In the face of the continuous prosperity of network finance, the effective supervision of network finance is needed to maintain the smooth operation of the economy as a whole. This part emphasizes the concept of network supervision and the objects involved in the network supervision, and in the network supervision and regulation. Facing all kinds of problems and challenges. For example, the virtual nature of network finance, the blurring of the boundary of financial business and the supervision of international exchanges. The third part, the current situation and problems of the legislation of China's network financial supervision and regulation. Facing the rapid development of the network finance, the supervision institutions of our country have a lag and lack of supervision. The traditional separate operation mode of the increasingly integrated financial model restricts the supervision of the network finance. At the same time, in the supervision legislation, the lag sex is obvious, and there has not been a system of laws and regulations. Many financial subjects take the advantage of the loopholes in the law, making the whole network supervision mode into an awkward situation. The fourth part, the United States The financial regulatory system and Enlightenment of the country and Europe. Our regulatory agencies are not experienced in dealing with the regulatory issues. We need to learn from the experience of network supervision in the United States and Europe, and constantly enhance the theoretical and operational levels of our regulatory agencies, especially when dealing with a number of transnational network supervision problems. To guarantee the interests of the party and achieve a win-win situation. In the fifth part, China's network financial supervision system is perfect. In this part, the legal way out in China's network financial supervision should be determined, and the importance of supervision in the legal level is emphasized. At the same time, through the joint participation of all aspects, we should improve the information management, improve personnel policy, and formulate incentives. Policies, strengthening domestic and international exchanges and cooperation, and so on, jointly strive for fairness, fairness, rationality and legality in the supervision of network finance.

【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.1

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