西方国家网络金融监管对我国的借鉴与启示.docVIP

西方国家网络金融监管对我国的借鉴与启示 目 录 内容摘要 I Abstract II 1 导言 1 2 网络金融监管概要 2 2.1 网络金融监管 2 2.2 关于网络金融监管的研究 3 3 西方国家网络金融监管模式 4 3.1 美国网络金融监管模式——以立法为核心的自律监管 4 3.2 欧洲网络金融监管模式——以审慎战略为核心的联合监管 6 3.3 欧美网络金融监管模式的比较 7 4 我国网络金融监管现状 8 4.1 我国网络金融监管的现状 8 4.2 我国网络金融监管所面临的问题 9 5 欧美模式对我国的启示及政策建议 10 5.1 欧美模式与我国现状对比 10 5.2 对我国的政策建议 11 参考文献 13 附录：开题报告 14 致 谢 19内容摘要：网络金融是互联网络与金融相结合的产物，它的发展给银行业的监管和风险防范提出了更大的挑战。欧美网络金融监管开始得较早，已经形成了比较完善的系统和监管制度。其中，美国的监管模式是在建立相对完善的监管法规基础之上，将大部分监管权利和任务都下放给机构自身，这为网络金融的初期发展提供了一个宽松的环境。欧洲的联合监管认为对网络银行的监管需要国家和国际社会的联合监督，因此欧盟要求其成员国采取一致性监管原则，同时欧洲的审慎战略又在一定程度上保障了网络金融发展的稳定性。 我国目前正处于网络金融发展的初期，网络金融监管还存在很多漏洞，需要尽快建立起完善的监管法令和准则。另外，在大力发展网络金融业的同时要通过监管体系保证其稳定性。因此我国应适当的借鉴欧美模式，既创造宽松的发展环境，又要有审慎的态度，保障发展的稳定。 关键词：网络金融；金融监管；欧美模式；借鉴与启示 Abstract: Online Finance is the combination of Internet and financial. the development of online finance has put greater challenges on banking supervision and risk prevention. The supervision of online finance in Europe and the United States started earlier and has formed a relatively perfect system and monitoring system. the U.S. regulatory model is based on relatively perfect regulatory laws and regulations, and most of the regulatory rights and duties are delegated to the institutions themselves, which provides a relaxed environment for the early stages of online finance. While, the joint supervision of European advises that supervision of network banking needs both national and international, therefore EU requires its member states to adopt consistency regulatory principles. At the same time, the prudent strategy of Europe aslo protects the stability of online finance’s development to some extent. China is currently in the early stages of online finance,and the supervision of it still has a lot of loopholes, so we need to establish a sound regulatory laws and guidelines as soon as possible. In addition, while the active development of online finance industry, we must ensure its stability through the regulatory system. Therefore China should learn bo