我国互联网金融监管问题研究论文

摘要

目前，随着经济的不断发展，互联网与金融行业的交叉越来越明显，从而衍生出互联网金融这一新型领域。并且逐渐发展成为热门领域，因而取得了快速发展的契机，其成长速度与发展规模远远超过其他行业，所以对互联网金融的监管问题也变得越来越受到重视。

互联网金融，是指银行等老牌金融机构与信息网络服务企业之间相互联结，借助网络与通信技术，实现资金的支付结算等业务的新类型金融模式。其典型特点是成本较低，但效率高、覆盖面广以及发展速度快，同样，互联网金融也存在着缺点，即管理弱、风险大。

本文围绕着互联网金融中存在的监管问题展开探讨，首先对互联网金融的含义进行界定，与传统的金融区别开来，其次探讨互联网金融具有的基本特征和发展的趋势，以及互联网金融的监管现状以及其存在的主要问题，并提出相应的对策建议。

关键词：互联网金融，监管，风险

Abstract

Nowadays, with the continuous development of the economy, the intersection bet ween the Internet and the financial industry is becoming more and more obvious, thus giving rise to a new field of Internet finance. And gradually developed into a hot fiel d, and thus obtained the opportunity for rapid development, its growth rate and develo pment scale far exceed other industries, so the supervision of Internet finance has bec ome more and more attention.

Internet finance refers to a new type of financial model in which banks and other established financial institutions connect with information network service enterprises to realize the payment and settlement of funds with the help of network and communication technology. Its typical feature is low cost, but high efficiency, wide coverage and rapid development, in the same way, Internet finance also has shortcomings, that is, weak management, high risk.

This paper discusses the regulatory problems existing in Internet finance, first defines the meaning of Internet finance, and distinguishes it from traditional finance. Secondly, it discusses the basic characteristics and development trend of Internet finance, as well as the current situation of Internet finance supervision and its main problems, and puts forward corresponding countermeasures and suggestions.

Key words:Internet finance, Regulation, Risk

目录

摘要 ................................................................................................................................................. I Abstract ............................................................................................................................................ II 1.绪论 . (1)

1.1研究背景和意义 (1)

1.1.1研究背景 (1)

1.1.2研究意义 (1)

1.2研究的内容与研究的方法 (2)

1.2.1研究的内容 (2)

1.2.2研究的方法 (2)

2.互联网金融监管的含义及其理论依据 (3)

2.1 互联网金融的含义 (3)

2.2互联网金融的基本特征 (3)

2.3互联网金融的发展的趋势 (4)

2.3.1第三方支付规模在不断发展扩大 (5)

2.3.2 P2P网络贷款平台的规模不断壮大 (5)

2.3.3网络众筹不断平稳发展 (5)

2.4互联网金融监管的理论依据 (5)

2.4.1产业融合理论 (6)

2.4.2金融压抑和自由化理论 (6)

2.4.3社会契约理论 (6)

2.4.4信息经济学 (7)

3.互联网金融监管现状和存在的主要问题及其原因 (8)

3.1互联网金融监管现状 (8)

3.2互联网金融监管存在的主要问题 (8)