互联网金融道德建设研究——基于P2P平台消费者权益保护问题的分析  

Research on the Morality Construction of Internet Finance Based on Analyzing Consumers Rights Protection in the Running of P2PPlatform

作　　者：陆岷峰 虞鹏飞 

机构地区：[1]江苏银行总行,江苏南京210005 [2]南京财经大学金融学院,江苏南京210046

出　　处：《金陵科技学院学报（社会科学版）》2015年第4期11-15,共5页Journal of Jinling Institute of Technology(Social Sciences Edition)

摘　　要：互联网金融创新在推动行业高速发展的同时,也滋生了各类风险,其中消费者权益保护问题面临更大的挑战。从行业内涵层面看,道德规范的缺失是互联网金融消费者权益保护问题产生的根源。道德建设可以促使互联网金融参与主体提升内在精神层次,道德规范能够在监管和制度难以覆盖的空白区域自主发挥作用。加强互联网金融道德建设,促进互联网金融文明与道德文明的和谐统一,可以最大限度地发挥道德力量在互联网金融消费者权益保护中的作用。Internet finance innovation promoted the rapid development of the industry, but also breeds all kinds of risks. Among the problems, the consumer rights and interests protection is facing greater challenges. From the perspective of the connotation of the industry, the lack of morality standards is the root cause of the problem on the Internet financial consumer rights protection issues. Morality construction can improve the inner spirit level of Internet financial participants, and Morality norms can play an autonomous role in a blank area where regulations and institutions could hardly function. Strengthening the morality construction of Internet fi- nance can promote the harmonious unity of Internet finance civilization and Internet morality civilization, and maximize the role of morality force in the rights and interests protection of the internet financial consumers.

关 键 词：互联网金融 道德建设 消费者权益 

分 类 号：F83[经济管理—金融学]