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互联网金融体系:本质、风险与法律监管进路
引用本文:李真.互联网金融体系:本质、风险与法律监管进路[J].经济与管理,2014(5):51-57.
作者姓名:李真
作者单位:北京大学法学院,北京100871
摘    要:互联网金融在我国发展迅速,对传统金融行业的"鲶鱼效应"显著。互联网金融是金融创新的产物,代表了金融民主化和普惠金融的趋势。同时,它具有第三方支付风险、网络借贷风险、"长尾"风险等内生性风险。在保护创新与普惠精神、有效维护金融稳定和金融秩序之间寻求平衡,是监管的基本原则和逻辑。重塑法律监管原则与逻辑,通过提供有效法律供给、切实保护金融消费者合法权益、完善征信体系等是互联网金融法律监管的可行性路径。

关 键 词:互联网金融  金融风险  法律风险  法律监管

Internet Financial System:Nature,Risks and legal Regulatory Approach
Li Zhen.Internet Financial System:Nature,Risks and legal Regulatory Approach[J].Economy and Management,2014(5):51-57.
Authors:Li Zhen
Institution:Li Zhen (Law School, Peking University, Beijing 100571, China)
Abstract:As the rapid development of Internet Finance in our country, the traditional financial sector "catfish effect"significant. Internet Finance is the product of financial innovation, on behalf of the financial trends of democratization and inclusive finance. Meanwhile, it has third-party payment risk, borrowing risk within the network, the "long tail" risks by nature risk. Inclusive in the protection of innovation and the spirit of seeking a balance between the effective maintenance of financial stability and financial order, the basic principles and the regulatory logic. Reshape the legal and regulatory principles and logic by providing effective legal supply, improve the credit system, and effectively protect the legitimate rights and interests of consumers of financial feasibility of the path of Internet Finance supervision law.
Keywords:Internet finance  Financial risks  Legal risks  Legal supervision
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