我国互联网金融监管问题分析研究.pdfVIP

摘 要 我国互联网金融兴起比较晚，目前还处于起步阶段，但其发展非常迅速。在我国互 联网金融蓬勃发展的同时，也面临着诸多的风险问题，如几年发生的一些P2P 网络平台 倒闭跑路事件。由此，在鼓励互联网金融创新发展同时，加强对其监管非常必要而且迫 切，是推动我国互联网金融持续健康发展的基础保障，这也是本文研究的目的意义所在。 本文采用了文献查阅法、案例分析法、归纳分析法、定性与定量相结合等方法，全面系 统的分析了我国互联网金融监管的现状，归纳出了其存在的问题及形成原因，同时借鉴 了国外发达国家在不同业态方面对互联网金融监管的做法，结合我国互联网金融发展实 际，更具针对性的提出了加强我国互联网金融监管的对策建议。通过研究表明我国尚缺 乏针对互联网金融的监管体制，我国基于传统金融业而建立的金融监管体制已不能满足 互联网金融监管需要。我国需要健全完善互联网金融监管的法律法规，构建更加有效的 监管体系，利用现代科学技术方式改进监管方法和手段，同时加快建设覆盖面更加广泛 的社会信用体系，全面加强我国互联网金融监管，有效平衡互联网金融创新发展与体制 监管，保障我国互联网金融快速健康发展。 关键字：互联网金融 风险 监管 Abstract The rise of the Internet of Finance is relatively late in China, still in its infancy, but its development is very rapid. While the Internet of Finance is in the vigorous development, also facing many risks and problems, such as in recent years some P2P network platform occurred to collapse and run away events. Therefore, our government encourages the innovation and development of the Internet of Finance at the same time, strengthening the regulation is very necessary and urgent, is also basic security to promote the sustained and healthy development of the Internet of Finance, that is also the purpose and significance of this research. In this paper, we use the literature method, case analysis, inductive analysis, qualitative and quantitative methods and so on, analyze comprehensively and systematically the current situation of the internet financial regulation in China, and sum up the problems and causes, then draws on the internet financial regulation practices from the developed countries in terms of different formats and combine with the actual development of the Internet of Finance in China, thereby, proposes the countermeasures to strengthen financial regulation of our country. Through the research shows that our country is still a lack of internet financial supervision system, our