科技与法律
科技與法律
과기여법률
SCIENCE TECHNOLOGY AND LAW
2014年
3期
430-438
,共9页
互联网金融%监管规则%金融消费者
互聯網金融%鑑管規則%金融消費者
호련망금융%감관규칙%금융소비자
Internet Finance%Regulatory Rules%Financial Consumers
互联网金融是一个相对独立于传统金融的业态，其作为创新事物，难免对现行金融监管规则形成冲击和挑战。如果一味要求互联网金融适应既有规则，则互联网金融的发展很难持续。由于技术往往领先于监管，互联网金融的快速发展，衬托了某些金融监管规则的滞后与疏漏，应及时反思、调整不合时宜的既有规则，建立以保护金融消费者为中心的互联网金融监管体系。
互聯網金融是一箇相對獨立于傳統金融的業態，其作為創新事物，難免對現行金融鑑管規則形成遲擊和挑戰。如果一味要求互聯網金融適應既有規則，則互聯網金融的髮展很難持續。由于技術往往領先于鑑管，互聯網金融的快速髮展，襯託瞭某些金融鑑管規則的滯後與疏漏，應及時反思、調整不閤時宜的既有規則，建立以保護金融消費者為中心的互聯網金融鑑管體繫。
호련망금융시일개상대독립우전통금융적업태，기작위창신사물，난면대현행금융감관규칙형성충격화도전。여과일미요구호련망금융괄응기유규칙，칙호련망금융적발전흔난지속。유우기술왕왕령선우감관，호련망금융적쾌속발전，츤탁료모사금융감관규칙적체후여소루，응급시반사、조정불합시의적기유규칙，건립이보호금융소비자위중심적호련망금융감관체계。
Internet Finance is relatively independent from the traditional ifnancial industry. As an innovative thing, it inevitably challenges the present ifnancial regulation. If we require Internet ifnance to adapt to existing rules, it is dififcult for the development of the Internet ifnance to continue. The technique is often ahead of supervision, and the rapid development of the Internet ifnance relfects the lags and omissions of some ifnancial regulation, which should be timely modiifed. Protecting ifnancial consumers should be established as the center of the supervision system for Internet ifnance.
