摘 要
随着互联网技术的迅猛发展，互联网金融作为一种新兴业态迅速崛起，其在提高金融服务效率、拓展金融服务范围等方面展现出巨大优势，但也带来了诸多法律监管问题。本研究旨在深入剖析互联网金融法律监管中的问题并提出改进建议。通过文献研究法梳理国内外相关研究成果，运用案例分析法对我国互联网金融领域典型案件进行剖析，同时借助比较研究法借鉴国外先进监管经验。研究发现，当前我国互联网金融法律监管存在立法滞后难以适应快速发展的行业需求，监管主体多元导致协调成本高且易出现监管空白或重复监管，监管手段传统难以应对互联网金融创新业务等问题。针对上述问题提出构建完善的法律法规体系以填补立法空白，明确监管主体职责整合监管资源形成协同监管机制，创新监管手段利用大数据等现代信息技术提升监管效能等建议，为完善我国互联网金融法律监管提供理论依据与实践指导，有助于促进互联网金融健康稳定发展，在一定程度上弥补了现有研究中关于互联网金融法律监管综合改进方案的不足。
关键词：互联网金融法律监管 立法滞后 协同监管机制
Abstract
With the rapid development of Internet technology, Internet finance has emerged as a new business model, demonstrating significant advantages in improving the efficiency of financial services and expanding their scope. However, it also brings numerous legal and regulatory challenges. This study aims to thoroughly analyze the issues in the legal supervision of Internet finance and propose improvement suggestions. By employing literature review to summarize domestic and international research findings, case analysis to examine typical cases in China’s Internet finance sector, and comparative studies to draw on advanced foreign regulatory experiences, this research reveals that current legal supervision of Internet finance in China faces several challenges. These include legislative delays that fail to meet the rapidly evolving industry needs, multiple supervisory entities leading to high coordination costs and potential regulatory gaps or overlaps, and traditional regulatory methods that struggle to address innovative Internet finance businesses. To address these issues, this study proposes establishing a comprehensive legal fr amework to fill legislative voids, clarifying the responsibilities of supervisory entities and integrating regulatory resources to form a collaborative supervision mechanism, and innovating regulatory approaches by leveraging modern information technologies such as big data to enhance regulatory effectiveness. These recommendations provide theoretical foundations and practical guidance for improving legal supervision of Internet finance in China, promoting its healthy and stable development, and addressing the inadequacies in existing research regarding comprehensive improvement plans for the legal supervision of Internet finance.
Keyword:Internet Financial Legal Supervision Legislative Lag Collaborative Supervision Mechanism
目 录
引言 1
1互联网金融监管的现状分析 1
1.1监管政策的发展历程 1
1.2主要法律法规梳理 2
1.3现行监管体系的特点 2
2当前法律监管存在的问题 3
2.1法律法规滞后性 3
2.2监管协调机制不足 3
2.3新业态监管空白 4
3国际经验与启示 4
3.1典型国家监管模式 4
3.2国际最佳实践借鉴 5
3.3对我国的启示意义 5
4完善法律监管的建议 6
4.1构建综合监管框架 6
4.3提升消费者保护水平 7
结论 7
参考文献 9
致谢 10
