基于利益相关者保护视角的互联网金融监管研究

互联网金融的发展还处于起步阶段,现有文献更多地从互联网金融发展全局角度来研究其监管问题。鉴于互联网金融发展初期的不规范与脆弱性,认为互联网金融不仅仅需要监管,更要保护。基于利益相关者保护的新视角,从狭义互联网金融的三种模式,即P2P网贷、大数据金融以及众筹融资三种模式出发,分析三种模式的利益相关者及其风险传导模式,提出了互联网金融如何保护与监管并进的政策建议。

The Research of Internet Financing Supervision on the Stakeholders＇ Protect Perspective

The development of internet finance is still in its initial stage. The existing literature studies the supervisory problems more often from the angle of how to supervise. In view of the abnormalization and vulnerability in the initial stage of internet finance,it need not only supervision but also protection. The narrow sense of internet finace has three modes,namely P2 P online lending,major data finance and crowdfunding. After analysising the stakeholders and their risk transmission modes of these internet finance modes,there are some policy recommendations on how to protect and supervise from the new perspective of stakeholders＇ protection.