我国互联网金融“穿透式”监管的法律问题研究

Research on the Legal Problems of “Penetrating” Supervision of Internet Fi-nance in Our Country

中国人民银行发布《金融科技发展规划(2022年~2025年)》,全方面应用监管科技,通过“穿透式”监管模式强化数字监管能力。互联网金融行业的蓬勃发展,缩短了与传统金融的距离,规范了民间金融的具体内容,推进我国金融行业的可持续性发展。但互联网金融的独特的创新性决定了金融风险的复杂性与特殊性,呈现“牵一发而动全身”的风险变化,是金融市场主体面临的最大难题。近年来,“穿透式”监管作为互联网金融的新型监管理念,在证券、税务、金融风险等行业进行应用,以“实质重于形式”为原则,完成新型监管机构之间的联动,并制定了具体的监管措施。文章首先阐述“穿透式”监管提出的背景、国内外研究现状,其次针对监管过程中的实践难题进行分析,并提出相应的完善建议。

People’s Bank of China released the “Fintech Development Plan (2022~2025)”, which applies reg-ulatory technology in all aspects and strengthens digital regulatory capabilities through “penetra-tion” regulatory model. The booming development of Internet finance industry shortens the dis-tance from traditional finance, standardizes the specific content of private finance, and promotes the sustainable development of Chinese financial industry. However, the unique innovation of In-ternet finance determines the complexity and particularity of financial risks, and the risk change that “affects the whole body” is the biggest problem faced by financial market players. In recent years, as a new regulatory concept of Internet finance, “penetrating” regulation has been applied in securities, taxation, financial risk and other industries. Based on the principle of “substance is more important than form”, it has completed the linkage between new regulatory agencies and formulated specific regulatory measures. This paper firstly describes the background of “pene-trating” regulation and the research status at home and abroad. Secondly, it analyzes the practical problems in the regulatory process and puts forward corresponding suggestions for improvement.