互联网金融整治背景下的立法思考

近年来,互联网金融在我国迅速发展,对国计民生的影响日益加深。然而,互联网金融虽然创新了金融模式,但是也诱发许多新的风险,互联网金融市场可谓险象环生。由此,相关主管部门陆续颁布了一系列的规章制度并开展治理行动,互联网金融行业进入"整治"时期。在这一背景下,本文提出,应构建一套符合互联网金融属性与发展规律,包括效率面向、公平面向以及稳定面向等层面的制度体系。同时,在立法中,保持每一种价值面向的"适度性"以及与其他价值面向的"协调性",从而形成一个相互关照、相互依赖、相辅相成,促进互联网金融健康发展与维护国家金融安全的互联网金融法律体系。

In recent years, with the rapid growth of Internet finance in China, its impact on national interest and people＇s livelihood keeps increasing. While the Internet finance innovates financial models, it induces many new risks as well, making the Internet finance market quite risky. As a result, a series of rules and regulations have been successively promulgated and carried out by relevant authorities, guiding the whole industry into a period of ＂remediation＂. In this context, this paper proposes that it is essential to construct a set of institutional systems which is efficiency-oriented, fairness-oriented and stability-oriented according to the attributes and development laws of Internet finance. Meanwhile, relevant legislation should strike a balance between various values that it pursues, so as to establish an Internet finance legal system that is mutually supportive, interdependent and complementary among its components, contributing to the healthy development of Internet finance and the national financial security.