金融服务电子化形势下的金融监管探究

Research on Financial Regulation under the Situation of Financial Services Electronization

电子支付的兴起促使金融服务电子化,这冲击到传统银行业务、传统保险业务和传统证券业务。一旦金融各个领域出现脱媒现象,金融服务电子化将进一步促进金融行业分业格局改变,这也影响金融行业监管模式的变革并将促进更多的金融产品创新。通过强调金融监管的变革,尝试从功能监管、设立金融消费者保护法律等方面提出建设性意见。

The rise of electronic payments has much influence on the electronization of financial in-dustry, including traditional banking, insurance and securities business. Once financial disintermedia-tion occurs in some areas, electronic financial services will change the financial industry structure. It will also affect the reform of the financial sector regulatory mode and promote more financial product innovation. By emphasizing the financial regulation, some constructive suggestions are put forward such as the functional regulation, constructing and perfecting the consumer protection law, etc.