互联网金融监管“宏观—微观”协同框架研究

"Macro-Micro" Coordination Regulation Framework of Internet Finance

协同监管理念下"宏观—微观"结合的互联网金融综合监管框架中,宏观层面应实施透明性监管,专注于互联网金融对整体金融体系的影响,关注风险的传染性,且借鉴宏观审慎监管的思路;而在微观层面对互联网金融应实施机构类型监管,借鉴微观审慎监管的思路;同时不论是宏观层面还是微观层面,都应该实施创新监管理念。在此框架下,互联网金融监管主体应是多部门共同形成的联合委员会,这也符合当前大金融监管的发展趋势。

This paper puts forward the concept of coordination regulation of internet finance to realize the effect of ＂ macro controlling and micro releasing＂. At the macro level, regulation should focus on information disclosure, financial system stability and contagion risks. Besides, it should be prudential in general. At the micro level, regulation should focus on monitoring and should also be prudential. And no matter it is on macro or micro level, monitoring regulations should be innovated. In this framework, the main body of internet financing should be the committee co -organized by several departments.