中国互联网金融的风险与监管研究_魏鹏.pdfVIP

金 论坛 融 2014年第7期（总第223期） 中国互联网金融的风险与监管研究 魏 鹏 ［摘 要］本文分析了国内互联网金融发展现状、风险特征及互联网金融监管的国际经验 ，认为互 联网金融存在经营主体风险、法律合规风险、技术操作风险 、市场流动风险、资金安全风险和货币政策 风险等 。发达国家对互联网金融的监管主要包括对第三方支付 、网络信贷、网络银行、众筹融资的监 管。为改善国内互联网金融监管现状 ，应明确监管原则，适度监管和协调监管并重；充分发挥行业自律 组织的作用；加快互联网金融法律法规建设 ，通过立法明确互联网金融机构 的性质和法律地位 ；完善 互联网监管规则，明确互联网金融企业的业务经营范围及监管主体 。 ［关键词］互联网金融；金融监管；监管原则；自律组织 ［文章编号］ （ ） ［ 分类号］G29 ［文献标志码］ 1009 - 9190 2014 07 - 0003 - 07 JEL A A Study of the Risks and Regulation of Chinese Internet Finance WEI Peng ［ ］ Abstract This paper analyses the development status, risk characteristics of internet finance and the international experience in internet finance regulation. The paper argues that there are operator risks, legal and compliance risks, operational technology risks, market liquidity risks, capital safety risks and monetary policy risks, etc. in internet finance. The internet finance regulation in developed countries mainly include the regulation of third-party payment, online credits, online banking, public financing. To ’ improve the domestic internet finance regulation, it s necessary to form regulatory principles, and keep balance between appro－ priate regulation and regulation coordination; make use of the function of industry self-regulatory organization; accelerate the constitution of the laws and rules of internet finance, and clarify the nature and legal rights of internet finance by legislation; im－ prove the regulation rules of internet, and clarify the business scope and regulated entity of internet financial enterprises. ［ ］ Key words int