我国互联网金融风险分析及监管对策研究

我国互联网金融风险分析及监管对策研究摘要互联网金融主要是通过信息技术来为客户提供更加快捷的金融服务，使客户多样化的金融需求得到了满足，被越来越多的人们认可。互联网金融的出现和发展，改变了传统金融存在的不足，推动了普惠金融的开展，同时对于资源的优化配置也有非常重要的作用。但是互联网和金融行业本身的特点，也决定了互联网金融必然会产生定的风险，因此对于互联网金融的风险防范和监管就成为了非常重要的研究问题。本文对互联网金融风险进行了研究，分析了互联网金融发展的现状以及风险的种类，对目前的监管措施进行了分析，然后分析了互联网金融目前监管存在的主要问题，主要体现在监管主体缺乏协调、法律建设尚未构成体系、制度框架有待完善以及信用体系不健全四个方面，最后针对问题提出了相应的解决对策，应该明确监管主体，完善相关法律法规，完善监管制度设计，构建社会信用监管体系。关键词：互联网金融；风险分析；监管I-Risk Analysis and Regulatory Countermeasures of InternetFinance in ChinaAbstractInternet finance mainly provides customers with faster financial services throughinformation technology,which meets the diversified financial needs of customers and isrecognized by more and more people.The emergence and development of Internet financehas changed the shortcomings of traditional finance and promoted the development ofInclusive Finance.At the same time,it also plays a very important role in the optimalallocation of resources.However,the characteristics of the Internet and the financialindustry also determine that Internet finance will inevitably produce certain risks.Therefore,the risk prevention and supervision of Internet finance has become a veryimportant research issue.This paper studies the risks of Internet finance,analyzes thecurrent situation of the development of Internet Finance and the types of risks,analyzes thecurrent supervision measures,and then analyzes the main problems existing in the currentsupervision of Internet finance,which are mainly reflected in the lack of coordination ofsupervision subjects,the lack of legal construction,the need to improve the institutionalframework and the imperfect credit system,Finally,the corresponding countermeasuresare put forward to solve the problems.We should clarify the supervision subject,improverelevant laws and regulations,improve the design of supervision system,and build a socialcredit supervision system.Key Words:Online finance;Risk analysis;SuperviseII-目录摘要..IAbstract一、绪论(一)研究背景(二)研究意义11.理论意义2.现实意义1(三)研究思路与研究内容(四)研究方法与创新点21.研究方法22.创新点.2二、理论基础与文献综述(一)相关概念阐述1.互联网金融的概念..........42.互联网金融的特点4(二)相关理论.…51.规制理论.2.制度创新理论.5(三)文献综述1.国外研究现状.52.国内研究现状6三、互联网金融发展现状及监管现状.7(一)互联网金融发展现状.71.第三方支付发展规模.72.P2P网贷.…83.互联网理财.8(二)互联网金融风险种类.9(三)互联网金融监管现状，.91.互联网监管相关法律2.监管模式现状100004000224000000003.互联网金融监管案例分析10III四、我国互联网金融监管存在的问题.….11(一)监管主体缺乏协调.…11(二)法律建设尚未构成体系…11(三)制度框架有待完善.11（四)信用体系不健全.12五、完普我国互联网金融监管的对策13(一)明确监管主体131.明确监管责任….132.完善中央到地方纵向监管体系.133.加强监管主体之间沟通协调13(二)完善相关法律法规.14(三)完善监管制度设计….14(四)构建社会信用监管体系….15结论16参考文献.17-IV-