金融消费者利益保护与互联网金融监管的规制路径——基于比较法视域的考察探究

Regulation of the Financial Path to Protect the Interests of Consumers and Internet Financial Supervision

近年来以P2P网贷和众筹为代表的互联网金融在我国迅猛发展,但野蛮生长的背后积累了大量的金融风险,大批P2P网贷平台的"卷款跑路"敲响了我国互联网金融监管的警钟。借鉴美国、英国、韩国、日本等国家互联网金融监管经验,我国互联网金融监管的规制路径应当以保护金融消费者利益为中心,通过规制金融市场的委托代理关系、规制信息不对称、规制金融消费者的风险承受能力,确立互联网金融平台的准入门槛与退出机制,建立强制信息披露制度,确立合格投资者制度,建立风险警示与预警制度,建立统一的互联网金融信用公示平台,以更好地维护金融消费者的利益。

In recent years in P2 P network and the raise as a representative of the Internet financial loan in the rapid development of our country.But behind the savage growth accumulated the massive financial risk.Large number of P2 P network platform loan 'volume run'sounded the alarm of Internet financial regulation in China.Draw lessons from the United States,Britain,South Korea,Japan and other countries the Internet experience in financial regulation,Regulation path of Internet financial regulation in China should be to protect the interests of financial consumers as the center,through the regulation of principal-agent relations,the regulation of the financial market information asymmetry,regulation of consumer financial risk to bear ability,establish the Internet financial platform barriers to entry and exit mechanism,set up a mandatory disclosure system,establishing the system of qualified investors,to establish risk warning and early warning system,establish a unified platform for the Internet financial credit publicity,in order to better safeguard the financial interests of consumers.