互联网金融监管体系改革进路研究——基于创新协同角度  

Research on the Reform Path of Internet Financial Supervision System--From the Perspective of Innovation Synergy

作　　者：范逸男 任晓聪[1] Fan Yinan;Ren Xiaocong

机构地区：[1]辽宁大学经济学院,辽宁沈阳110036

出　　处：《西南金融》2020年第3期35-41,共7页Southwest Finance

基　　金：辽宁省社科基金项目“东北地区城市公用事业PPP改革发展研究”(19CJL004)。

摘　　要：作为一种综合性金融服务模式,互联网金融混业经营特征明显,这与我国目前金融业分业监管制度背道而驰。现阶段的金融监管模式无法与互联网金融产业发展监管需求相匹配,制定针对性的互联网金融监管体系势在必行。本文基于我国互联网金融发展与政府监管之间的“驱动-反应”协同互动模式,通过明确我国互联网金融监管的演变趋势,以监管资源碎片化及协同创新理论为基础,引出互联网金融协同监管的组成要素及特征,包括创新监管主体、制度安排、金融监管科技及可竞争的监管市场;最后通过构建我国互联网金融协同监管体系框架,并着重分析该协同监管体系内的跨部门协同治理机制,以协调不同监管主体的监管职能,为开展互联网金融协同监管提供现实基础和可靠依据。As a comprehensive financial service model,the mixed operation characteristics of Internet finance are obvious,which runs counter to China's current separate supervision of financial industry.The current financial supervision model cannot match the supervision requirements of the development of Internet financial industry,and it is imperative to develop a targeted Internet financial supervision system.Based on the"drive-response"collabora tive interaction model between the development of Internet finance in China and government supervision,this article elucidates the evolutionary trend of Internet finance supervision in China,and based on the fragmentation of regula tory resources and collaborative innovation theory,this article introduces the components and characteristics of In ternet financial collaborative supervision,including innovative supervisory bodies,institutional arrangements,finan cial supervision technology and competitive supervision markets.Finally,by constructing the framework of China's Internet financial collaborative supervision system,this paper focuses on analyzing the inter-departmental collabora tive governance mechanism in this collaborative supervision system to coordinate the supervisory functions of differ ent regulatory bodies,and provides a realistic and reliable basis for the implementation of Internet financial collabor ative supervision in China.

关 键 词：互联网金融 互联网金融监管 协同监管 协同创新 监管科技 混业经营 分业监管 混业监管 互联网+ 金融科技 信息共享 金融消费者权益保护 金融监管体系 

分 类 号：F832[经济管理—金融学] F832.1