摘要
互联网金融行业作为一种颇具创新性的产业,虽然具有实现"金融脱媒"、解决中小企业贷款难题、打破金融资源垄断等优势,但是其高度创新性致使现有的法律法规难以进行有效的规制,存在立法不规范、监管缺失、混乱经营等诸多弊端。为了使互联网金融的社会治理符合法治的要求,必须让国家和社会的治理行为互相配合、良性互动,这就需要把握好国家公权力和社会自治权在互联网金融治理中的角色地位和作用边界。互联网金融法律规制之路径为:根据互联网金融的特点,分类进行特许经营许可;鼓励创新的同时明确刑事惩罚的界限;创建各部门法相互协调的法律治理体系。
The internet finance industry is an innovative industry. It could achieve the ＂financial disintermediation＂,solve the problems of SME loans and break the monopoly of financial resources. However,it could not be regulated by the existing laws and regulations due to the high degree of its innovation. There are some disadvantages in the existing laws and regulations： the legislation is not standardized; there is no supervision; management is in disorder. It is important for the government to take measures in order to make the social governance of internet finance meet the requirements of the law. Firstly,the national governance and the social governance should cooperate and interact with each other positively. In addition,it is crucial to control the role of status and boundary of the national public power and the social autonomy in internet finance governance. The path of legal regulation of Internet finance is that： classification franchise license is allowed according to the internet financial characteristics; the innovation is encouraged while the boundaries of criminal penalties is clearly clarified; a legal system of governance should be established in which the laws of various departments could coordinate.
出处
《税务与经济》
CSSCI
北大核心
2016年第6期20-24,共5页
Taxation and Economy
基金
吉林省社科项目"吉林省互联网金融犯罪问题法律规制研究"(项目编号:2016BS27)的中期研究成果
关键词
互联网金融
金融监管
法律规制
internet finance
financial supervision
legal regulation
