摘要
随着电子技术与网络运用的发展，互联网金融正逐步发展成为重要的交易、支付和理财工具，但是国内关于互联网金融的研宄发展较晚直到九十年代中期，随着电子商务的兴起，互联网金融才进入人们的视野，相应地互联网金融对社会经济的影响也越来越受到人们的关注。了解互联网金融现状并且尽快完善对其监管才能促进行业更好地发展，同时投资者的权益才能得到最大程度地保护。
本文参考人民银行的《中国金融稳定报告（2014）》对互联网金融定义进行阐述，并将互联网金融分类为传统金融在线化与基于互联网的新金融形式两种发展方向。首先，本文通过文献梳理，从多种资料途径广泛收集互联网金融发展现状的资料，以数据分析的形式呈现我国互联网金融发展现状；其次，通过深入分析两种互联网金融创新发展存在的风险，归纳出互联网金融的共性风险；同时，对我国互联网金融发展监管政策进行研究，找出不足之处；最后，总结了国外对互联网金融的监管思路，由宏观至微观，从监管体系——人民银行为主的主体政府监管与行业自律结合，监管实施保障——法律与道德双重约束，监管重要方向——信息安全、披露制度、诚信评价三个方面提出了互联网金融监管的建议。论文最后总结了撰写过程中的收获与不足，力求用公共管理专业知识为国家政策形成添砖加瓦。
关键词：互联网金融；发展现状；风险因素；
Along with the development of electronic technology and network application, Internet banking is gradually developing into an important transactions, payments and financial tools, but domestic on Internet banking research on late development until the mid-1990s, with the rise of electronic commerce, Internet finance into people’s field of vision, corresponding to Internet banking to the economic and social effects of attracts more and more people’s attention. To understand the financial status of the Internet as soon as possible to improve the supervision and to promote the better development of the industry, at the same time, the interests of investors to get maximum protection.
This reference to the people’s Bank of the “China financial stability report (2014)” carries on the elaboration to the definition of Internet banking and Internet banking are classified as traditional financial online and based on Internet new financial forms two development direction. Firstly, through literature review, data from a variety of ways to the development of Internet banking is now widely collected The data in data analysis is presented in the form of the status quo of the development of Internet banking in China； secondly, through in-depthAnalysis of two kinds of Internet financial innovation and development of the risk of the existence of the Internet, summed up the common risk of financial； at the same time,To study the supervision policy of China’s Internet financial development, find out the deficiency； finally, summarize theInternet financial regulatory ideas, from the macro to micro, from the regulatory system – the people’s Bank of the main politicalGovernment supervision and industry self-discipline, supervision of the implementation of the protection of the law and moral dual constraints, the important direction of regulation Information security, information disclosure system, the credit evaluation is put forward from three aspects of Internet financial regulatory proposals.The thesis finally summarizes the process of writing the harvest and insufficient, and strive to use public management expertise for the countryContribute to policy formation.
KEY WORDS： Internet banking； Development status； Risk factors；
目 录
ABSTRACT………………………………………………….. 3
1.4研究方法及技术路线………………………………….. 10
2互联网金融发展与监管政策概述………………………………. 11
2.2.2互联网金融的功能……………………………….. 11
2.2.3互联网金融的优势……………………………….. 12
2.3.1互联网金融监管的含义和目的………………………. 12
2.3.2互联网金融监管的基本原则………………………… 13
3我国互联网金融发展现状及问题………………………………. 14
3.1我国互联网金融的典型模式定义…………………………. 14
3.1.1传统金融在线化典型模式………………………….. 14
3.1.2基于互联网的新金融典型模式………………………. 14
3.1.3互联网金融总体监管政策综述………………………. 15
3.1.4细分行业监管政策综述……………………………. 15
3.2互联网金融风险现状分析………………………………. 16
3.2.1传统金融在线化风险分析………………………….. 16
3.2.2基于互联网的新金融形式风险分析…………………… 19
3.3我国互联网金融发展中存在的问题……………………….. 22
3.3.1我国第三方支付与移动支付监管现状及存在问题………… 22
3.3.2我国 P2P 借贷平台监管现状及存在的问题…………….. 23
3.3.3我国众筹融资平台监管现状及存在的问题……………… 25
4影响我国互联网金融发展的因素………………………………. 26
4.1互联网金融监管体系不完善…………………………….. 26
4.2政府监管部门多头监管造成监管空白……………………… 26
4.3现行金融法条与互联网金融发展相悖……………………… 26
4.4懂得互联网技术的监管人才匮乏…………………………. 27
4.5传统金融在线化发展与基于互联网的新金融形式的融合……….. 27
5促进我国互联网金融发展的方法与措施…………………………. 28
5.1建立监管体制，政府监管与行业自律并重………………….. 28
5.2增强约束效果，法律监管与道德教育相配合………………… 28
5.3完善通信软硬件设施，保护参与方利益……………………. 29
5.4严格信息披露制度，透明市场操作……………………….. 29
5.5建立诚信评价系统，把关信用风险……………………….. 30
