论互联网金融监管  

On Financial Supervision of Internet

作　　者：赵渊[1] 罗培新[2] 

机构地区：[1]华东政法大学国际金融法律学院 [2]华东政法大学

出　　处：《法学评论》2014年第6期118-126,共9页Law Review

摘　　要：互联网金融是最近一年兴起的新生事物。虽然其本质并未脱离金融的概念,但是在对其进行监管时,"金融特许制"和"强制信息披露"这两大传统的监管工具却可能因为"着力点"不准,而无法发挥有效的作用。此外,互联网金融引发市场竞争格局的变化,以及对金融产品的重新整合和创新,将导致现行的"分业监管"体制出现结构错位的问题,削弱监管的统一性和协调性。有鉴于此,针对互联网金融的特征,应当对当前监管机制进行必要的改革。Internet finance is a new development in China which has been prevalent since 2013. While its nature does not depart from the conception of ＂finance＂, both traditional regulator tools in the field of financial law, i.e. ＂concession system＂ and ＂mandatory information disclosure＂, may miss their ＂target＂ during the regulation on this new-born industry, thus being incapable of playing an effective role. In addition, internet finance may lead to a change of market competition, as well as a re-organization and innovation of financial products. This will raise a problem of structural failure of current system of ＂separated regulation＂, reducing the unity and harmony of regula- tion. Therefore, it is necessary to reform the existing regulatory system in accordance with the features of internet fi- nance.

关 键 词：互联网金融 金融监管 金融特许制 信息披露 监管主体 

分 类 号：D922.287[政治法律—经济法学] D924.3[政治法律—法学]