摘要
伴随着我国互联网产业高速发展,互联网金融在形式上也有了巨大创新,规模上得到了空前的发展,但巨大机遇的同时也潜伏着各种风险,不仅出现了各种违法违规事件,也集中发生了平台"暴雷"问题。本文阐述了互联网金融发展中的问题与发展现状,通过国内外相关政策的对比,从监管主体、资本运营、监管政策、行业发展趋势等方面分析互联网金融监管的困境。本文通过国内外政策制度的对比,博采众长,构建以防范金融风险为出发点、合理配置金融监管权、多部门联合的金融监管体系。
Along with the rapid development of China’s Internet industry,Internet finance has also undergone tremendous innovation in its form.The scale has been unprecedentedly developed.The huge opportunities are also lurking with various risks.Not only have various violations of laws and regulations emerged,but also platforms have emerged"Thunderstorm"problem.This paper expounds the problems and development status of Internet finance development.Through the comparison of relevant domestic and foreign policies,it analyzes the dilemma of Internet financial supervision from the aspects of regulatory subjects,capital operation,regulatory policies,and industry development trends.Drawing on the experience of foreign Internet financial supervision,we will build a financial supervision system that takes financial risk prevention as a starting point,rationally allocates financial supervision power,and integrates multiple departments.
作者
邢天才
张夕
XING Tiancai;ZHANG Xi(Graduate School Dongbei University of Finance and Economics,Dalian 116025,China;School of Finance Dongbei University of Finance and Economics,Dalian 116025,China)
出处
《产业组织评论》
2019年第2期200-214,共15页
Industrial Organization Review
关键词
互联网金融
监管体制
注册资本
运营管理
信用风险管理
Internet finance
regulatory system
registered capital
operation management
credit risk management
作者简介
邢天才,男,1961年出生,山东青岛人,东北财经大学研究生院院长,博士生导师;张夕,女,1989年出生,辽宁铁岭人,东北财经大学金融学院博士研究生。
