互联网金融投资者保护机制下信息披露理念审视

Investor Protection Mechanisms in the Internet Finance Information Disclosure Concept Survey

互联网金融投资风险的频发会严重侵害投资者的基本权益,乃至成为社会不稳定因素。如何防范互联网金融风险,维护互联网金融投资者的利益,已成为亟须解决的经济社会发展问题。互联网金融本质上仍是金融,所以必须回归金融的本质规律,认清金融投资的风险要素。在此基础上,回归金融监管的本质,创新金融监管理念,特别是借鉴我国证券市场的信息披露制度,摈弃传统的"家长式"保护主义的监管理念,建立起以"信息披露为中心"的监管理念,使投资者依据互联网金融平台提供的充分信息披露,作出合乎市场的价值判断与投资选择。在实现这一监管理念转型的基础上,真正实现"买者自负"的金融市场准则。

The financing risk of internet finance happened frequently could infract the basic rights and in- terests of investors, and even become a social instability. How to guard against financial risks, and effec- tively protect the interests of investors, the financial industry has become a major problem sustained and healthy development of the urgent need to resolve. The nature of internet banking is still finance, it must re- turn to the essence of the law of finance and recognize risk factors of financial investments. On this basis, the return to nature of financial regulation, financial innovation and regulatory philosophy, especially in reference information disclosure system of China＇s securities market, abandon the traditional ＂paternalis- tic＂ protectionist regulatory rules to establish the ＂information disclosure as the center＂ regulatory philoso- phy so that make value judgments and investment options. On the basis of this regulation to achieve the transformation of the idea, truly, ＂caveat emptor＂ financial market rules.