我国互联网金融监管现状及体系构建  

The Current Supervisory Situation and System Formation of China's Internet Finance

作　　者：尹海员[1] 王盼盼[1] 

机构地区：[1]陕西师范大学国际商学院

出　　处：《财经科学》2015年第9期12-24,共13页Finance & Economics

基　　金：国家社科基金资助项目"投资者行为分析与证券市场新干预主义监管"(项目编号:13FJY012);陕西省自然科学基础研究项目"投资者情绪演化及对市场流动性影响研究"(项目编号:2015JM7367);中央高校基本科研业务费资助项目"投资者情绪演化及对流动性影响效应研究"(项目编号:GK201503004)

摘　　要：本文总结了我国互联网金融发展模式及监管现状,并分析了美国互联网金融的监管制度。研究发现:在我国互联网金融快速发展的情况下,存在着操作平台法律地位模糊、欺诈现象较普遍、立法滞后、监管体系不统一、监管力度难以把握等缺陷。美国互联网金融监管的主要思路是将其作为新兴金融业态补充到传统监管框架中,着重于监管法律制度的制定和实施,并实行分头监管与行业自律相结合的监管模式。在借鉴美国监管经验的基础上,本文从明确监管主体及监管立场、监管模式和原则、内外部控制与协调、动态监管与风险保护等五个方面提出了构建我国互联网金融监管体系的设想。This article summarizes the development pattern and current supervisory situation of China＇s internet finance and analyzes the regulatory system of America＇ s internet finance. The research indicates that with the rapid development of China＇s internet finance, there are some deficiencies like ambiguous legal status of the op- erating platform, widespread fraud, legislative lag, disunity of supervision system, difficulty of grasping regula- tive dynamics, etc. The main idea of America＇ s intemet finance is to regard it as an emerging financial form and add it to the traditional regulatory framework. It focuses on the supervision of the legal institutions＇ formula- tion and implementation, and carries out the supervision model of integrating separate regulation and self- regu- lation. On the basis of learning from America＇s experience, this article proposes some ideas of building the su- pervision system of China＇s intemet finance from the following five aspects： clarifying supervision identity and stance, supervision model and principle, internal and external management and coordination, dynamic supervi- sion and risk protection.

关 键 词：互联网金融 金融监管 发展模式 监管体系 

分 类 号：F724.6[经济管理—产业经济] F832.1[政治法律—经济法学] D922.28[政治法律—法学]