中国互联网金融风险监管的主要历程、典型模式及未来挑战  

Main Course,Typical Mode and Future Challenge of China Internet Financial Risk Supervision

作　　者：宁泽逵 王哲 屈桥 NING Zekui;WANG Zhe;Qu Qiao(School of Public Administration,Xi’an University of Finance and Economics,Xi’an 710100,China;School of Management Engineering,Xi’an University of Finance and Economics,Xi’an 710100,China)

机构地区：[1]西安财经大学公共管理学院,陕西西安710100 [2]西安财经大学管理学院,陕西西安710100

出　　处：《山东财经大学学报》2023年第2期14-25,共12页Journal of Shandong University of Finance and Economics

基　　金：国家社会科学基金一般项目“乡村振兴战略下社会人才下乡的动力机制与促进政策研究”(19BGL176);教育部人文社会科学研究青年基金项目“基于稳定匹配视角的中国家庭农业传承及模式创新研究”(17YJC790111);西安财经大学研究生创新基金项目“新时代我国西部农村居民互联网金融风险管控研究”(21YC015);陕西高校青年创新团队项目。

摘　　要：梳理2005—2021年互联网金融风险监管的实践发展资料与学术研究成果,中国互联网金融风险监管经历理念变革、法律变革、模式变革、重心变革四个发展阶段,主要有网上银行风险监管、众筹融资风险监管、第三方支付风险监管、P2P网络借贷风险监管四大典型模式。实践中,中国互联网金融风险监管主要侧重法律变革和模式变革,具有明显的运动式特征,有别于西方发达国家互联网金融风险监管。同时,中国互联网金融风险监管面临着金融创新与金融监管匹配不及时、监管尺度的适中性难以把握、金融消费者权益难以保障三大挑战。这些发现有助于深化互联网金融风险监管的理论理解与实践创新,促进新时代中国互联网金融风险监管持续高质量发展。By sorting out the practical development data and academic research results of Internet financial risk supervision from 2005 to 2021,it is found that China Internet financial risk supervision has undergone four development phases,i.e.,concept reform,legal reform,mode reform and focus reform,mainly including the following four typical modes:online banking risk supervision,crowdfunding risk supervision,third-party payment risk supervision and P2P network loan risk supervision.In practice,China Internet financial risk supervision mainly focuses on legal reform and mode reform,which has obvious sporty features and is different from the Internet financial risk supervision in the western developed countries.Meanwhile,China Internet financial risk supervision is facing three major challenges,i.e.,the untimely matching of financial innovation and financial supervision,the difficulty in mastering the appropriateness of regulatory standards,and the difficulty in safeguarding the rights and interests of financial consumers.These research findings will help deepen the theoretical understanding and practical innovation of Internet financial risk supervision,and promote the sustained and high-quality development of China Internet financial risk supervision in the new era.

关 键 词：中国互联网金融 风险监管 主要历程 典型模式 未来挑战 

分 类 号：F832[经济管理—金融学]