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| 互联网金融风险及监管体系 摘要 现代经济围绕着这“金融”展开，而互联网技术的发展使现代经济、现代文明高速发展，“互联网金融”应运而生。其“创新性、高效性、便捷性”为一体的突出特点，使得“互联网金融”成为重要的投资理财和支付结算工具，在人们的日常生活中扮演着重要角色，成为不可或缺的一部分。现如今，“互联网金融”呈现出白热化的发展趋势，日渐递增。但与此同时，“互联网金融”因一味追求快捷、便利，而形成急速推进的观念，与传统金融行业做事考虑风险把控，形成的稳步发展的观念背道而驰给。而两者观念的摩擦反映出了更多更现实的问题，而这些问题亟待解决。例如：给互联网金融交易市场中的各方参与主体带来了非常大的风险隐患；互联网金融监管的很多缺陷和不足逐渐显露出来；传统互联网金融的监管措施满足不了互联网金融的发展，无法提供可靠保障。国内外金融监管机构逐渐达成共识：应对互联网金融试试行之有效的监管。 为切实可行的实施互联网金融监管，要对相关风险制定严格可行的法律法规等。例如：法律风险、操作风险、传染风险、声誉风险、流动性风险、信用风险和市场风险等。对此，要采取具有针对性的措施，加强监管力度，以实现互联网金融的可持续发展，保护互联网金融消费者的利益，达到合作共赢的目的。 关键词：互联网金融；互联网金融监管；互联网金融风险；对策 ABSTRACT The modern economy revolves around the "finance",and the development of Internet technology makesthe modern economy and modern civilization develop at a high speed, "Internet finance" arises at the historic moment. Its outstanding characteristics of "innovation,efficiency and convenience" make "Internet finance" an important investment and financial management, payment and settlement tool, playing an important role in people's daily life and becoming an indispensable part. Nowadays, "Internet finance" presents a white hot development trend, increasing day by day.But at the same time, "Internet finance" has formed the concept of rapid development because of its blind pursuit of speed and convenience,which runs counter to the concept of steady development formed by the traditional financial industry, which considers risk control. The friction between the two concepts reflects more andmore realistic problems, which need to be solved urgently. For example, it has brought great risks to all participants in the Internet financial trading market; many defects and deficiencies of Internet financial supervision have gradually emerged; the traditional Internet financial supervision measures can not meet the development of Internet finance, and can not provide reliable protection. Financial regulators at home and abroad have gradually reached a consensus:we should try to implement effective supervision on Internet finance. In order to implement internet financial supervision practically,it is necessary to formulate strict and feasible laws and regulations on relevant risks. For example: legal risk, operational risk, contagion risk,reputation risk, liquidity risk, credit risk and market risk. In this regard, targeted measures should be taken to strengthen supervision,so as to achieve the sustainable development of Internet finance,protect the interests of Internet consumers and achieve win-win cooperation. Keywords: Internet finance;Internet financial supervision; Internet financial risk; countermeasure 目录 一、绪论 4 （一）选题背景 4 （二）选题意义 4 二、互联网金融模式 5 （一）第三方支付 5 （二）P2P网贷 6 （三）大数据金融 6 （四）众筹 7 （五）信息化金融机构 8 （六）互联网金融门户 8 三、互联网金融风险 8 （一）信用风险 8 （二）技术风险 9 （三）法律风险 10 1.经营类风险 10 2.刑事类法律风险 11 3.资金交易当事人面临的风险 11 （四）网络风险 12 四、互联网金融监管体系 12 （一）监管体系 12 （二）监管原则及对策 13 1.原则性监管与规则性监管相结合。13 2.防止监管套利,注重监管的一致性。13 3.关注和防范系统性风险。14 4.严厉打击金融违法犯罪行为。14 5.加强信息披露，强化市场约束。14 6.加强监管协调。14 7.强化行业自律。14 8.互联网金融企业与金融监管机构之间应保持良好、顺畅、有建设性的沟通。14 参考文献 15 致谢 17 |
