摘要
近年来互联网金融在我国实现了创新性的快速发展,在提升金融服务的同时也包含了较大的经营性、技术性和市场性风险因素。现有的监管政策尚未完全适应互联网金融的创新性变革,在监管政策体系、机构整合、功能统筹、风险化解以及消费者权益保护等方面还存在明显的不足。在此基础上,提出了完善监管政策体系、明确监管主体职责以及加强部门间的监管功能协同等政策建议,以促进互联网金融在风险可控基础上的创新发展。
Internet finance in our country has realized the rapid development of innovative in recent years, which enhanced the financial services as well as breeding larger business, technical and market risks. The existing regulatory policies do not yet fully adapt to the innovative revolution of internet finance, and still exist obvious insufficiency in regulatory policy system, institutional integration, overall function, risk mitigation and protection of consumers' rights. Based on this, the paper puts forward the suggestions in order to promote the innovative development of internet improve regulatory policy system, clarify the responsibility body of regulatory coordination. finance prudently, such as to regula tory and strengthen sectoral
出处
《金融理论与实践》
北大核心
2016年第5期110-114,共5页
Financial Theory and Practice
基金
河南省金融学会2015年重点课题“互联网金融监管的国际经验与启示”
河南省哲学社会科学规划项目(2015BJJ012,2015BZZ002)的部分研究成果
关键词
互联网金融
协同监管
金融消费者权益
internet finance
regulatory coordination
the financial interests of consumers