牛牛游戏厅安卓,{原始关键词}

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                      • 当前位置: 代写一篇论文多少钱 > 法律论文 > 金融科技给法律监管带来的挑战与对策

                        金融科技给法律监管带来的挑战与对策

                        时间:2020-04-27 10:05作者:高艳艳
                        本文导读:这是一篇关于金融科技给法律监管带来的挑战与对策的文章,金融科技是基于大数据、云计算以及人工智能等技术创新,并且涉及支付清算、财富管理、保险以及交易结算等等金融领域,具有跨行业和跨领域的特征,所以在发展的过程中如果监管不力,很容易会出现侵犯隐私和非法集资等

                          摘    要: 金融科技作为金融行业的主流趋势,逐渐改变着金融行业的生态格局,但是我国金融科技在实际的发展过程中,由于其具有跨市场以及跨行业的特征,很容易出现一系列的法律问题,影响金融行业的良性发展。因此,本文针对我国金融科技法律监管进行详细的分析和思考。

                          关键词: 新时代; 金融科技; 法律监管;

                          JINRONGKEJISHIJIYUDASHUJU、YUNJISUANYIJIRENGONGZHINENGDENGJISHUCHUANGXIN,BINGQIESHEJIZHIFUQINGSUAN、CAIFUGUANLI、BAOXIANYIJIJIAOYIJIESUANDENGDENGJINRONGLINGYU,JUYOUKUAXINGYEHEKUALINGYUDETEZHENG,SUOYIZAIFAZHANDEGUOCHENGZHONGRUGUOJIANGUANBULI,HENRONGYIHUICHUXIANQINFANYINSIHEFEIFAJIZIDENGDENGFALVFENGXIAN。YINCIWOGUOJINRONGKEJIZAIFAZHANDEGUOCHENGZHONGYINGGAIJINYIBUJIAQIANGFALVJIANGUAN,CONGERGENGHAODIYINDAOJINRONGKEJIDELIANGXINGFAZHAN。

                          一、金融科技法律监管的基本现状概述

                          JINRONGKEJIZICONG2017NIANKAISHIYIJINGCHENGWEIJINRONGLINGYUDEREMENHUATI,ERZAOZAI1993NIANWOGUODE《ZHONGHUARENMINGONGHEGUOKEXUEJISHUJINBUFA》ZHONGBIANYIJINGCHENGLILEKEXUEJINRONGCUJINHUI,BUGUOZHIDAO2016NIANDESANYUEJINRONGWENDINGLISHIHUIFABUDEZHUANTIBAOGAODUIJINRONGKEJIJINXINGLECHUBUDEDINGYI。TONGCHANGQINGKUANGXIA,JINRONGKEJIZHIDESHIJISHUDAILAIDEJINRONGCHUANGXIN,NENGGOUCHONGFENCHUANGZAOXINDEYEWUMOSHI、YINGYONG、LIUCHENGYIJICHANPINDENGDENG,CONGERJINYIBUDUIJINRONGSHICHANG、JINRONGJIGOUYIJIJINRONGFUWUZAOCHENGYIDINGDEYINGXIANG。XUYAOZHUYIDESHI,JINRONGKEJIBINGBUSHIDANYIHUANJIEDEPIANMIANYINGYONG,TANENGGOUYOUXIAOSHIXIANSHUJULIUZAIYONGHU、YUNYING、XIAOSHOU、WULIUYIJICHENGBENDENGDENGGEZHONGFANGMIANJIEGOUHUADEYINGYONG,YEJIUSHIJINRONGJIGOUNENGGOUCHONGFENYINGYONGDASHUJU、YUNJISUANYIJIRENGONGZHINENGDENGDENGKEXUEJISHUDUICHUANTONGJINRONGXINGYEJINXINGCHUANGXINYUGAIGE。

                          二、金额科技对法律监管面临的挑战分析

                          金融科技在发展的过程中经常会出现信息泄露、侵犯隐私、非法集资等法律风险,再加上金融科技具有一定的跨市场以及跨行业的特征,在发展的过程中日益多元化,所以对金融科技的管理还是用传统的沙盒监管以及栅栏监管等模式,已经无法有效防范相关风险问题,而且由于金融科技发展较为迅速,传统的法律监管已经无法有效满足对金融科技的约束。由于金融科技逐渐呈现去中心化以及分布蜂窝等形式,所以在管理的过程中如果继续使用自上而下的监管途径已经无法有效满足监管力度。除此之外,虽然我国公布了一系列的监管政策,并且各地也制定了相应的科技金融政策法规,但是具体的实施还需要根据当地的实际情况开展,很难在全国范围内通用。并且现有的法律一般情况下在出现问题之后才根据实际的情况制定,无法有效实现对现阶段金融科技的监管,所以缺乏一定的预见性和系统性。
                         

                        金融科技给法律监管带来的挑战与对策
                         

                          三、加强金融科技法律监管的途径探讨

                        牛牛游戏厅安卓,{原始关键词}   ZAIJINRONGKEJIFAZHANDEGUOCHENGZHONG,YINGGAIJIJIXISHOUBINGJIEJIANGEGEGUOJIAJINRONGKEJIFALVJIANGUANDEJINGYANHEJIAOXUN,ZAIGENJUWOGUOSHIJIJINRONGKEJIFAZHANDEQINGKUANGZHIDINGZHENDUIXINGDELVFAJIANGUAN,CONGERBAOZHENGNENGGOUYOUXIAOCUJINJINRONGKEJIFALVJIANGUAN。BIRUZHENDUIJIAOCHAXINGBIJIAOQIANG,BINGQIESHEJIFALVFENGXIANBIJIAOFUZADEQINGKUANGXIA,KEYISHIYONGKUALINGYUDUOBUMENXIEZUODEFANGSHIJIANLIWANSHANDEFALVJIANGUANTIXI,YEKEYIZHENDUIJINRONGKEJILINGYUJISHUHANLIANGBIJIAOGAODEQINGKUANGXIA,SHIYONGGAOKEJIDEJIANGUANKEJI,CONGERGENGHAODIWANSHANSHUJUHEYEWUMOSHI。QICI,ZAIJIAQIANGJINRONGKEJIFALVJIANGUANDEGUOCHENGZHONG,YINGGAIZHIDINGTONGYIXINGYIJIGUIFANXINGDEFALVFAGUI,BAOZHENGFALVDETONGYIXINGHEXIEDIAOXING,BINGQIEZAIZHIDINGDEGUOCHENGZHONGKEYIGENJUWOGUOSHIJIDESHEHUIQINGKUANGYIJIXINGYEBIANHUASHIDANGDIAOZHENGFALVFAGUI,SHIFALVFAGUINENGGOUYOUXIAOSHIYINGJINRONGXINGYEDEBIANHUAYUFAZHAN,CONGERYOUXIAOTIGAOFALVJIANGUANDEWANSHANXING。CHUCIZHIWAI,ZAIJIAQIANGJINRONGKEJIFALVJIANGUANDEGUOCHENGZHONG,YINGGAITIGONGXIANGYINGDESIFAZHENGCEHEZHIDAOXINGANLIDENGDENGXIANGGUANZHIDUDEGONGJI,CONGERGENGHAODIDUIXINGYEHEQIYEJINXINGYINDAO。ERQIEZAIZHIFADEGUOCHENGZHONGYIDINGYAOJIAQIANGZHIFADELIDU,BAOZHENGZHIFADEGUIFANXINGHEKEXUEXING。ZUIHOU,ZAIJIAQIANGJINRONGKEJIFALVJIANGUANDEGUOCHENGZHONG,YINGGAIJINYIBUJIAQIANGGEGEBUMENZHIJIANDEGOUTONGJIAOLIU,CONGERGENGHAODIKAIZHANGONGZUO。

                          四、结语

                        牛牛游戏厅安卓,{原始关键词}   ZONGSHANGSUOSHU,JINRONGKEJIZHIDESHIJISHUDAILAIDEJINRONGCHUANGXIN,NENGGOUCHONGFENCHUANGZAOXINDEYEWUMOSHI、YINGYONG、LIUCHENGYIJICHANPINDENGDENG,CONGERJINYIBUDUIJINRONGSHICHANG、JINRONGJIGOUYIJIJINRONGFUWUZAOCHENGYIDINGDEYINGXIANG。DANSHIJINRONGKEJIZAIFAZHANDEGUOCHENGZHONGJINGCHANGHUICHUXIANXINXIXIELU、QINFANYINSI、FEIFAJIZIDENGDENGFALVFENGXIAN,SUOYIZAIJIAQIANGJINRONGKEJIFALVJIANGUANDEGOUCHENGZHONG,YINGGAIZHIDINGTONGYIXINGYIJIGUIFANXINGDEFALVFAGUI,BAOZHENGFALVDETONGYIXINGHEXIEDIAOXING,BINGTIGONGXIANGYINGDESIFAZHENGCEHEZHIDAOXINGANLIDENGDENGXIANGGUANZHIDUDEGONGJI,DUIXINGYEHEQIYEJINXINGCHONGFENDEYINDAO。CHUCIZHIWAI,ZAIZHIDINGJIANGUANFALVDEGUOCHENGZHONGKEYIGENJUWOGUOSHIJIDESHEHUIQINGKUANGYIJIXINGYEBIANHUASHIDANGDIAOZHENGFALVFAGUI,CONGERYOUXIAOTIGAOFALVJIANGUANDEWANSHANXING。

                          参考文献

                          [1] LIZHAN,YESHUJUN.ZHONGGUOJINRONGKEJIFAZHANXIANZHUANGJIJIANGUANDUICEYANJIU[J].JIANGHUAILUNTAN,2019(3):54-59.

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