互联网金融消费者权益保障体系研究——来自英美两国的启示被引量：4

Research on the Protection System of Internet Financial Consumers′ Rights and Interests——Inspiration from Britain and the United States

在线阅读下载PDF

导出

摘要互联网金融是互联网技术与传统金融相融合后出现的新型金融业态模式,具有开放、共享、去中心化及普惠金融等诸多优点,互联网金融与传统金融息息相关,其本质仍是金融。因此,互联网金融不仅存在流动性风险、市场风险等传统金融风险,而且存在与互联网网络相关的信息安全、技术等风险。当前我国互联网金融正处于探索发展阶段,在互联网金融合规发展及监管手段方面仍存在许多漏洞,使得互联网金融消费者利益屡屡受损。文章在分析我国互联网金融消费者权益保障体系的基础之上,提出了体系建设面临的难点,并以美国和英国两个互联网金融发达国家为代表,通过对两国的互联网金融消费者权益保障措施的分析,分别从立法、合规监管及机制优化等方面提出我国互联网金融消费者权益保障体系建设的具体路径。 Internet finance is a new type of financial mode after the integration of Internet technology and traditional finance with many advantages,such as openness,sharing,decentralization and inclusive finance. Although Internet finance is closely related to traditional finance,its essence is still finance. Therefore,Internet finance not only has liquidity risk,market risk and other traditional financial risks,but also has information security,technology and other risks related to Internet network. At present,China’s Internet finance is at the stage of exploration and development,and there are still many loopholes in the compliance development and regulatory means of Internet finance. The loopholes have led many Internet financial platforms to taking advantage of them,made the interests of Internet financial consumers suffer repeatedly. Based on the analysis of financial consumer rights and interests of Internet security system in our country,on the basis of finding out the system construction problems and difficulties,with the United States and Britain,two developed countries represented by the Internet finance,through the two countries Internet financial analysis of consumers’ rights and interests safeguard measure,respectively from the aspects of legislation,regulation and mechanism optimization,the specific path is put forward in building of financial consumer rights and interests of Internet security system in our country.

作者潘青 PAN Qing(Jiangsu University of Science and Technology,Suzhou Jiangsu 215600,China)

机构地区江苏科技大学

出处《技术经济与管理研究》北大核心 2020年第3期87-91,共5页 Journal of Technical Economics & Management

基金 2018年度江苏省高校哲学社会科学研究基金项目（2018SJA2213）

关键词互联网金融传统金融权益保护金融模式金融风险 Internet finance Consumer Protection of rights and interests Dispute resolution Legal system

分类号 F830 [经济管理—金融学]

作者简介潘青(1982-),男,山东潍坊人,博士研究生,研究方向:马克思主义中国化理论和现实问题。