互联网金融市场准入监管的法律问题探析  

作　　者：贺松兰[1] 曾云翔[1] 

机构地区：[1]江西服装学院思政部

出　　处：《企业经济》2017年第3期180-186,共7页Enterprise Economy

摘　　要：目前,互联网金融市场准入机制存在监管法制滞后、主体混乱、方式不当、条件模糊等法律难题。为此,我国互联网金融准入监管机制的法治构建应贯彻法定、公平、绩效、适度的监管原则,在区分互联网经营者、投资者及消费者的特点及明确互联网金融平台的法律定位下,通过法治的方式界明不同模式互联网金融的监管主体、方式及条件。与此同时,应从以下几方面建立和完善相关配套制度:健全客户资金第三方存管制度;完善信息披露与风险提示制度;构建互联网金融信用评价体系;建立合格投资者制度;强化消费者权利保护机制。At present, there are many legal challenges that legal lag, subject confusion, improper methods and fuzzy conditions of market access regulation in the access mechanism of internet financial market. The law construction of the access mecha- nism of internet financial market should implement the regulatory principles of legislation, justice, performance and moder- ation. Simultaneously, under distinguishing characteristics of Internet operators, investors and consumers as well as the le- gal status of Internet banking platform, it is necessary to choose the way of legal information to specify regulatory body, manner and conditions of different modes. Accompanying systems such as the third-party depository system of customer funds, the information disclosure and risk warning system, the Internet financial credit evaluation system and the QFII sys- tem should be established and improved as to strengthen the protection mechanisms of consumer rights.

关 键 词：互联网金融 市场准入 市场监管 

分 类 号：D922[政治法律—法学] F830[经济管理—金融学]