互联网金融监管的法经济学思考  

Reflection on Internet Financial Supervision Based on an Economic Analysis of Law

作　　者：王志鹏[1] 龙海明[1] 李佳珂[2] WANG Zhipeng LONG Haiming LI Jiake(College of Finance and Statistics, Hunan University, Changsha, Hunan 410079, China College of Economics and Management, Hunan University of Science and Engineering , Yongzhou , Hunan 425199, China)

机构地区：[1]湖南大学金融与统计学院,湖南长沙410079 [2]湖南科技学院经济与管理学院,湖南永州425199

出　　处：《财经理论与实践》2017年第4期9-14,共6页The Theory and Practice of Finance and Economics

基　　金：湖南省社会科学基金重点项目(13ZDB35)

摘　　要：互联网金融在效率和公平方面的内在价值冲突给金融监管带来了巨大挑战。基于不同的监管目标,引入法经济学理念,从法律原则监管、行政规则监管和行业自律监管三个层面构建互联网金融监管体系,对互联网金融健康发展,提升社会整体福利有积极作用。The intrinsic value conflict of Internet financial efficiency and equity poses great challenges to the financial supervision. Based on different regulatory objectives, this paper introduces the concept of law and Economics, and builds an Internet financial regulatory system on the basis of the three aspects of legal supervision, administrative supervision and self-regulation of the industry,which has a positive effect on the healthy development of the Internet Finance and enhance the overall welfare of the community.

关 键 词：互联网金融监管 法经济学 效用最大化 

分 类 号：F830.2[经济管理—金融学]