牛牛游戏厅安卓,{原始关键词}

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      1. 当前位置: 代写一篇论文多少钱 > 法律论文 > 互联网金融发展问题与风险防范

        互联网金融发展问题与风险防范

        时间:2019-02-06 09:12作者:孟懿 张泽凡
        本文导读:这是一篇关于互联网金融发展问题与风险防范的文章,在互联网金融发展的过程中我们可以显而易见地预料到其存在着很多巨大的潜在风险,只有在这个过程中制定出相应的法律法规,使我们有法可依,有法必依,执法者有法可监管,信用体系才会更完善,我国目前对于互联网金融

          摘    要: 互联网金融近年来发展速度较快,但伴随着不断暴露出来的问题,使其面临着巨大的挑战,本文从互联网金融发展的现状以及出现的问题入手,对存在的问题进行研究分析。

          关键词: 互联网金融; 金融风险防范; 法律法规;

          一、互联网的发展现状及存在的问题

          (一)我国互联网金融的发展现状

        牛牛游戏厅安卓,{原始关键词}   (1)DISANFANGZHIFUMOSHIDEHULIANWANGJINRONG。ZAIXIANZAIRICHANGSHENGHUOZHONGDISANFANGZHIFUCHENGLEWOMENZUIZHUYAODEZHIFUFANGSHI,ERQIECHENGGONGZHANJULEXIAOEZHIFUSHICHANGDEDABANBILI,CHUSHANGYEYINXINGDEDIANZIYINXINGWAI,ALIBABAHEWEIXINSHIXIANZAIZHIFUSHICHANGZHONGDE“LINGTOUYANG”,TAMENDUIDISANFANGZHIFUDEFAZHANQILEDAITOUZUOYONG。

          (2)RONGZIPINGTAIMOSHIDEHULIANWANGJINRONG。ZAIWANGLUORONGZIPINGTAIRONGZIMOSHIDESHIYONGLAIKANDADUOSHURENSHIYONGDESHIHUABEIJIEBEIDENGWANGLUOXIAOEDAIKUAN。P2PJIEDAIPINGTAISHIYIZHONGNENGGOUKUAISUBIANJIERONGZIDEWANGLUORONGZIPINGTAI,YOUYUTABANLIDESHOUXUFEICHANGJIANBIAN,SUOYIP2PPINGTAICHUXIANDEBUFAXIANXIANGHENDUO;ZHONGCHOURONGZIPINGTAI,YOUYUGEZHONGYINSUDEZHIYUE,FAZHANHUANMAN,DANZHENGJIANHUIYIJINGRENKELEZHONGCHOURONGZIDEHEFAXING,ZHISHIGUANYUZHONGCHOURONGZIDEFALVTIAOWENSHANGWEIWANSHAN。

        牛牛游戏厅安卓,{原始关键词}   (3)DASHUJUJINRONGMOSHIDEHULIANWANGJINRONG。DASHUJUJINRONGZHUYAOSHIDUIHAILIANGFEIJIEGOUHUADESHUJUJINXINGSHISHIHUOQUHEFENXI,FANGBIANKUAIJIEDEXIANGKEHUTIGONGQUANMIANYOUXIAODEXINXI,WOMENJIANGQIJINXINGTONGJIHEFENXIKEYIZONGJIECHUKEHUDEXIAOFEIXIGUANYIJIZUOCHUXIANGYINGDEYUCE,WEIJINRONGJIGOUTIGONGGENGDUODEXINXILAIJISHIDIYUFENGXIAN。HULIANWANGJINRONGJIGOUZAIWEILAIDEFAZHANHECHUANGXINGUOCHENGZHONG,KEYICHANGSHIYUDASHUJUPINGTAIJINXINGHEZUO,TONGGUOJIEJIANSHIYONGSHUJUPINGTAIDEYUNJISUANPINGTAI,LAIMIBUZISHENZAIJISHUFANGMIANDEBUZU[1]。

          (二)我国互联网金融风险监管存在的问题

          (1)HULIANWANGJINRONGFAGUIQUESHIYUBUMINGXI。MUQIAN,WOGUOQISHIBINGMEIYOUZHUANMENZHENDUIHULIANWANGJINRONGZHEIYILINGYUZHIDINGDANDUDEFALVFAGUI。HULIANWANGJINRONGYEWUYUXIANXINGFALVDEBUDUICHENGDAOZHILEJIAOYIZHUTIZHIJIANDEQUANLIYIWUGUANXIBUDUICHENGDAOZHIBUMINGXI,SHENZHIHUICHANSHENGJINRONGFENGXIAN。DUIYUYIGEHULIANWANGJINRONGPINGTAISHIFOUYOUXIANGYINGDEJINRONGXUKE,YONGHUXINXIANQUANSHIFOUYOUBAOZHANG,PINGTAIDEZHANGHUSHIFOUSHUYUDISANFANGZHIFUPINGTAIDENGWENTI,XIANXINGDEFALVBINGMEIYOUZUOCHUXIANGYINGDEGUIDINGHEYUESHU,JIASHECHUXIANLEISIYUPINGTAIPOCHANHUOZHESHIWANGLUOZHAPIANDENGSHIJIAN,BUJINSHIPINGTAIYONGHUJIULIANPINGTAIDEQUANLIYEWUFADEDAOXIANGYINGDEBAOZHANG。

        牛牛游戏厅安卓,{原始关键词}   (2)HULIANWANGJINRONGJIANGUANTIXIBUJIANQUAN。WOGUODEHULIANWANGJINRONGFAZHANSHIJIANHENDUAN,JINRONGJIANGUANTIXIHAISHANGWEIWANSHAN,DUIYUHULIANWANGJINRONGYEWUDEJIANGUANQUEFAYIDINGDEYIJU,SHIDEGUANLIQILAIYOUXIEKUNNAN。XIANGWOGUODEDIANXINBUMENHEGONGSHANGBUMENZHISHIFUZEBEIANHEGONGSHANGDENGJIDENGYIBANXINGZHENGGUANLI,TAMENBUZHIJIECANYUGUANLIHULIANWANGJINRONGPINGTAIDEJUTIYEWU。ZHENGSHIYOUYUTIXIDEBUWANZHENGCAIHUIDAOZHIHULIANWANGJINRONGZAIFAZHANGUOCHENGZHONGBUDUANCHUXIANWANGLUOXINDAIZHAPIAN、FEIFAJIZIHEPINGTAIZHAPIANDENGFENGXIANSHIJIAN[2]SHANGSHUSHUOMINGGOUJIANYIGEYOUFALVXIAOLIDEHULIANWANGJINRONGTIXISHIPOZAIMEIJIE。

          (三)现行法律中的条款与互联网金融存在矛盾的情况

          对于传统金融来说,互联网金融是一种新兴的事物,它有很多创新的地方。像交易和获利方式的改变导致以往的法律无法满足互联网金融监管的需要。如果想要实现对互联网金融风险的监管,就必须要对现行法律中不匹配互联网金融监管的部分进行修改和完善,而且政府应该出台相关的法律法规,使得互联网金融监管行为有法可依,有法必依,让整个体系的运行更为顺利。
         

        互联网金融发展问题与风险防范
         

          二、解决互联网金融潜在风险的对策及建议

          (一)制定相应互联网金融法律法规及管理措施

          SHOUXIAN,WOMENYAOZUODESHIZHIDINGHULIANWANGJINRONGXIANGYINGDEFALVFAGUILAIWANSHANLIFAGONGZUO。ZHENGFUYINGGAICHUTAIDUIHULIANWANGJINRONGPINGTAIDEJINGYINGFANWEI,XINGZHIDENGZHIDINGYOUGUANGUIDING,YOUQIDUIYUPINGTAIDEZHINENGFANWEIZUOCHUYANGEDEXIANZHI。QICI,YAOYANGEBAKONGHULIANWANGJINRONGPINGTAIDEZHUNRUBIAOZHUNHETUICHUXIANZHI,BINGDUIXIANYOUDEHULIANWANGJINRONGPINGTAIJINXINGCHEDIQINGCHA,DUIYUBUFUHEBIAOZHUN、FENGXIANJIAOGAODEPINGTAIJIANJUEYUYIGUANBI。DISAN,YAOZHIDINGHULIANWANGJINRONGXINGYEGUIFAN,ZHENGFUBUJINYAOZHIDINGXIANGYINGFALVFAGUI,HAIYAOXIEZHUXIANGYINGJINRONGJIGOUZHIDINGJINRONGXINGYEGUIFAN[3]。

          (二)提高对互联网金融风险的防范能力

          SHOUXIAN,YAOKAIZHANHULIANWANGJINRONGXIAOFEIZHEDEJIAOYUGONGZUO,WOMENYAODUIXIAOFEIZHEJINXINGYIXIELIEDEXUANCHUANHUODONG,CONGXIAOFEIZHEDEXINLICHUFATIGAOXIAOFEIZHEDEFENGXIANFANGFANYISHIHAIYOUXINXIDEBAOHUYISHI,TONGSHIDUIYUHULIANWANGJINRONGDEXUJIAXINXIYANSUCHACHU,YANGEJINZHIFEIFAXIZIDEHUODONGCHUXIAN。QICI,HULIANWANGJINRONGPINGTAIYAOWANSHANZIJIAQIYEDEXINXIGUANLIZHIDU,RUJIANLIZIJINJIANGUAN,ZHIDINGFANXIQIANZHIDUDENG,YAOYANJIAQIANGFENGXIANDEKONGZHI。DISAN,YAOWANSHANHEJIAQIANGSHEHUIXINYONGTIXIDEJIANSHE,GERENZIXINTOUMINGHUASHIFANGFANFENGXIANDEZHONGYAOSHOUDUANZHIYI,HULIANWANGJINRONGJIGOUYAOJIAQIANGDUIKEHUZHENSHIXINXIDESHENHELIDU,CONGERXINGCHENGXINXIDEPINGJISHICHANG,YIZHIYUKEYIDUIKANGXINXIBUDUICHENGDAILAIDEFENGXIAN。DISI,CONGDISANDIANDEDAOQIFA,WOMENYAOJIADAXINXIDEPILUCHENGDU,CONGERGOUJIANCHUYIGEGENGJIAANQUANGENGJIAKEKAOZHENSHIDEWANGLUOANQUANTIXI,YIZHIYUGOUJIANYIGEXINRENDUGENGGAODEHULIANWANGJINRONGSHICHANG。

          (三)构建互联网金融监管体系

          DIYIBUXIANJIANLIHULIANWANGJINRONGJIANGUANDEXINXIPINGTAICONGERJIANGGEZIJIANGUANDEXINXIFENXIANGCHUQU,ZHEIYANGYILAIJITIGAOLEJIANGUANGONGZUOXIAOLVYOUJIANSHAOLECHENGBEN。DIER,JIANGUANBUMENYAOCHENGLIYIGEZHUANMENCHULIFENGXIANDEHULIANWANGJINRONGJIGOU,ZHEIGEJIGOUZHUANMENFUZECHULIWEIFAWEIGUIHEFASHENGFENGXIANDEHULIANWANGJINRONGQIYE,CONGZHIDUSHANGFANGZHIJINRONGFENGXIANDEFASHENG。ZUIHOU,GENGGAOYIJIDEBUMENRUZHONGGUORENMINYINXING,JINRONGJIANGUANBUMEN,GONGANJIGUAN,GONGSHANGGUANLIJIGUANKEYICHENGLIHULIANWANGJINRONGJIANGUANWEIYUANHUI,ZHEIYANGYILAI,GEGEJIBIECONGDIDAOGAOCENGCENGBAKONG,GONGTONGJIANKONGHULIANWANGJINRONGDEWEILAIFAZHAN[4]。

          三、结语

          ZONGSHANGSUOSHU,ZAIHULIANWANGJINRONGFAZHANDEGUOCHENGZHONGWOMENKEYIXIANERYIJIANDIYULIAODAOQICUNZAIZHEHENDUOJUDADEQIANZAIFENGXIAN,ZHIYOUZAIZHEIGEGUOCHENGZHONGZHIDINGCHUXIANGYINGDEFALVFAGUI,SHIWOMENYOUFAKEYI,YOUFABIYI,ZHIFAZHEYOUFAKEJIANGUAN,XINYONGTIXICAIHUIGENGWANSHAN,WOGUOMUQIANDUIYUHULIANWANGJINRONGFENGXIANDERENSHIHAITINGLIUZAIJIAOQIANDEWEIZHI,RUHEGENGGAONANDUDEFENXICITIXIRENGXUTANTAO。

          参考文献

          [1] 梁栋.浅谈大数据下的互联网金融创新发展模式[R].北京大学经济学院,2019(4).
          [2] 符瑞武.互联网金融发展面对的理由和政策倡议[J].政策倡议,2012(10).

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