互联网金融模式创新的法律边界与规制

Legal Boundary and Regulation of the Internet Financial Model Innovation

网络技术与传统金融业结合催生了新的金融模式。互联网金融以其普惠性、成本低、效率高等特点,对传统金融业务及其监管带来挑战。互联网金融商业模式及其创新存在的负外部性,需明确互联网金融创新的法律边界在于公共利益保障与个体利益实现之间的平衡,借助国家公权力有效协调创新及其监管。我国可借鉴国外立法内容,创新金融监管思路,逐步从变革监管体制、注重消费者权益保护、革新监管手段和技术、强化行业自律组织作用等方面分层次完善监管规则。

The combination of network technology and traditional financial industry has spawned a new financial model. Internet finance has brought challenges to the traditional business and its supervision with its wide participation, low cost and high efficiency. The existence of negative externalities of business model needs to clear the legal boundaries of Internet financial innovation, which lies in the balance between public interest and individual interests to achieve, with the help of the national public power to coordinate. At present, it is neeessary draw on foreign practices and innovative financial regulatory ideas, and gradually from the reform of reg- ulatory system, consumer protections, regulatory technology innovation, strengthen the role of industry self- regulation organizations to improve the