摘要
互联网金融平台违法行为的事前预防、事中威慑是有效保护数以千万计互联网金融出借人利益、控制金融风险的关键所在。目前在"政府中心规制"模式下,试图运用"重典治乱"的监管逻辑虽然在一定程度上可以整治违法行为,但预防与威慑效果不佳,互联网金融亟需新的社会治理范式。"社会共治"方式从自我约束、合约约束、社会约束、组织约束和法律规制五方面切入,以促进违法信息高速有效流动为进路,通过矫正政府规制理念、嵌入式自我约束、有效市场约束和声誉机制,在法治框架下构建多元主体协商-博弈-妥协-合作的共同治理平台,以实现有效防范和共同抵制违法行为,积极探索防控金融风险的社会治理之道。
Internet financial platform for illegal activities in advance prevention, in the matter of deterrence why effec- tive, which is to protect the interests of tens of millions of Internet Financial lenders, the key to control financial risk. At present in the center of government regulation mode, trying to use the ＂regulatory logic of severe punishment＂ although ille- gal behavior to a certain extent, but the prevention and deterrence effect. Internet banking is in urgent need of new social governance paradigm. ＂ Multi governance＂ from self- constraint, contract constraints, social constraints, organizational constraints and legal regulation of five aspects, in order to promote the effective approach for the high - speed flow of illegal information, through the embedded self - constraint, effective market discipline and the reputation mechanism, the common management platform to build multi agent negotiation game compromise cooperation in the rule of law under the framework, in order to achieve effective prevention and jointly resist illegal behavior, social governance way in this paper will explore the prevention and control of financial risks.
出处
《法律科学（西北政法大学学报）》
CSSCI
北大核心
2018年第1期67-77,共11页
Science of Law：Journal of Northwest University of Political Science and Law
基金
2016年河北省高等学校青年拔尖人才项目(BJ2016055)
关键词
政府中心规制
社会共治
互联网金融
Government Center Regulation
Multi - governance
Internet Financial
