我国互联网金融发展及其监管问题探析  

The Internet Finance Development in China and Its Regulation

作　　者：王俊[1] 赵国锋[1] Wang Jun Zhao Guofeng(General Education Center, Xijing University, Xi＇an, Shanxi 710123)

机构地区：[1]西京学院通识教育中心,陕西西安710123

出　　处：《改革与战略》2017年第3期72-75,共4页Reformation & Strategy

基　　金：2016年西京学院第一批科研基金立项"互联网金融视域下风险防控与金融监管路径创新研究"(项目编号:XJ160113)项目成果

摘　　要：我国互联网金融已初具规模,在提高社会效益、激发金融活力、服务实体经济等发面发挥了积极作用。同时,互联网金融的发展也可能引发新的风险。文章阐述互联网金融发展的现实性和必要性,分析互联网金融发展面临的金融监管的主要问题,总结美国、欧盟互联网金融监管的主要做法和实践经验,对我国的互联网金融监管提出建立健全互联网金融监管体系、界定互联网金融企业的业务范围和明确监管重点、自律性监管和他律性监管相结合等建议。The Internet finance is taking shape in our country. It plays the positive role of improving social benefit, activating financial power and service entity economy. At the same time, the development of the Intemet finance could lead to new risks. This paper expounds the financial feasibility and necessity of its development, analyzes its main problems in financial regulation, and summarizes the main methods and practice experience of financial regulation in the United States and the European Union. Relevant suggestions of Internet financial regulatory are put forward.

关 键 词：互联网金融 金融监管 国际经验 借鉴 建议 

分 类 号：F832.1[经济管理—金融学]