摘要
近年来,中国互联网金融发展迅速,出现了不少形式和技术上的创新,填补了传统金融服务的空白点和薄弱环节,但这并不是针对金融本质的革命。本文通过对中国互联网金融发展特殊性的分析,指出应客观看待当前取得的发展成绩,并提出了完善金融监管的总体建议,即遵循线上线下一致的基本原则,建立审慎监管和行为监管两大支柱,构筑机构自身风险管理、市场纪律约束和监管机构防范系统性风险的三道防线。
In recent years,there have been many innovations in form and technology in China's internet finance.The rapid developments of internet finance have filled some gaps in traditional financial services,but this is not a fundamental revolution of finance.Based on the analysis of its particularity,this paper argues that we should look at the current achievements from a more objective view.Some recommendations are provided,including principle of same treatment for online and offline financial activities,set-up of both prudential supervision and conduct supervision pillars,and build-up of three defense lines of systemic risk,which are institutions’internal risk management,market discipline and regulatory supervision.
作者
廖岷
LIAO Min(China Banking Regulatory Commission,Shanghai Office)
出处
《新金融评论》
2014年第2期1-17,共17页
New Finance Review
关键词
互联网金融
大数据
竞争战略
金融监管
Internet Finance
Big Data
Competitive Strategy
Financial Regulation
作者简介
廖岷系上海银监局局长。
