CAJ | 학술논문

大数据带来的信息风暴开启了人类社会利用信息资源、制造信息工具、实现由现代工业社会向信息社会跨越、创造信息文明的新纪元,也给惩治和预防网络金融犯罪,推进网络金融治理体系和治理能力现代化提出了新的课题。一些国家的专门立法、政府管制与行业监督相结合,立法执法与专业化监管并重,审慎监管与法律防控等模式的创设运行,给国际网络金融治理提供了新的视野。构建大数据时代惩防网络金融犯罪体系,需要注重法律规制与全面监管相兼顾,统筹打击犯罪与有效预防目标双实现,立足本国国情,实现网络金融犯罪的依法治理、多元治理、源头治理和共同治理,提升网络金融治理体系和治理能力现代化。
대수거대래적신식풍폭개계료인류사회이용신식자원、제조신식공구、실현유현대공업사회향신식사회과월、창조신식문명적신기원,야급징치화예방망락금융범죄,추진망락금융치리체계화치리능력현대화제출료신적과제。일사국가적전문입법、정부관제여행업감독상결합,입법집법여전업화감관병중,심신감관여법률방공등모식적창설운행,급국제망락금융치리제공료신적시야。구건대수거시대징방망락금융범죄체계,수요주중법률규제여전면감관상겸고,통주타격범죄여유효예방목표쌍실현,립족본국국정,실현망락금융범죄적의법치리、다원치리、원두치리화공동치리,제승망락금융치리체계화치리능력현대화。
Big data has ushered in a new era in terms of how people use information resources and manufacture information tools, which in turn is changing modern industrial society into ＂information society. ＂＂Information civilization＂ also brings a new issue： how to modernize and govern the online financial management system, and prevent and punish online financial crimes？ Countries gain experience in online financial management by devel- oping specific legislation, government regulations, and industry supervision. If governments equaUy value legis- lation, law enforcement, and professional supervision, they can create and operate prudent modes of supervision and legal prevention. To build an effective prevention and punishment system for online financial crimes, gov- ernments need to focus on both legal regulation and comprehensive supervision, coordinating the fight against crime and the effective prevention of crime. To realize both goals, governments should focus on pluralistic gov- ernance, source control, and joint governance to enhance their online financial management systems and govern- ance abilities.