An Analysis on Internet Financial Supervision in China

来源 :新生代·下半月 | 被引量 : 0次 | 上传用户:arx2007
下载到本地 , 更方便阅读
声明 : 本文档内容版权归属内容提供方 , 如果您对本文有版权争议 , 可与客服联系进行内容授权或下架
论文部分内容阅读
  The development of China's Internet finance is much shorter than that of developed economies such as the US and Europe. Up to now, China's Internet finance can be roughly divided into three stages: the first stage is the internalisation stage of the traditional financial industry in the year; the second stage is the stage of the third-party payment booming around the year; The three stages are the stage of development of the substantive financial business of the Internet since the beginning of the year. In the process of Internet financial development, domestic Internet finance presents a variety of business models and operational mechanisms.
  I. Impact of Internet Finance on China's Financial System
  (I) Internet Financial Business Models in Related Areas
  The impact of Internet business models in related fields is relatively limited, and the impact of Internet money funds on cross-border issues is more obvious.
  In the traditional Internet business of Internet, Internet technology is more supportive, upgraded, integrated, and complementary, rather than a substitute. The integration of Internet technology and traditional financial services and the information service of traditional financial services are basically the foundation for the development of traditional finance, which is conducive to the sustainable development of traditional finance and the maintenance of competitiveness. Internet finance is still a perfection of traditional finance. supplement. The traditional financial business relies on Internet technology to realize the innovative development of financial business. It is also an important way to promote the development of traditional finance. However, some innovative businesses have an alternative or a cross-border impact on traditional finance, which has a certain impact on traditional finance. Such as the balance treasure.
  (II) The impact of Internet Finance on the Banking Sector
  Internet finance has a limited direct impact on the banking sector, but the long-term potential impact will be more profound. Internet finance, as a typical representative of financial disintermediation, will result in a certain degree of change in payment and liquidation, capital flows, financial products and market structure. The most direct impact will be on the traditional financial sector, especially the banking sector. In the short term, as China is still a bank-led financial system, the direct impact of Internet finance is generally small, but in the long run, Internet finance may have a profound impact on the banking sector.   First, third-party payments not only affect the bank's service channels, but can ultimately compete directly with banks in credit creation and financing services. The vigorous development of third-party payment makes the channels of deposit, loan, remittance and other services diversified. It is a competitor of the payment settlement system. At the same time, third-party payment will gradually penetrate into the subjective and substantive financial services, and will be in credit creation and  financing services. Such areas compete with banks and so on.
  Secondly, the banking industry faces the dual impact of the “capital” disintermediation of the financial system and the “technical” disintermediation of the Internet. With the continuous advancement of China's interest rate marketization and the development of Internet finance, the Chinese banking industry is facing the double impact of the “capital” disintermediation of the financial system, such as shadow banking, and the “technical” disintermediation of Internet finance, and the Internet. Development and popularization have amplified the impact of financial disintermediation.
  II. Suggestions for Internet Finance Development and Supervision
  (1) Inter-network Financial Supervision Encourages Development and Risk Prevention
  First, the financial supervision of the Internet should be based on the principle of inclusive, encouraging, and standardizing the long-term sustainable development of the Internet, and encouraging development and risk prevention. First, “inclusiveness, encouragement, guidance, and regulation” are the basic principles of Internet financial regulation. Inter-network financial regulation should be inclusive. Second, it is true that “time, professional, and effective” supervision, prevention of systemic and regional risks. Third, strictly guard against the generalization of financial supervision of the Internet, classify and supervise according to the Internet financial business model, and clearly define the regulatory body, regulatory targets and supervision scope of Internet finance, and distinguish the applicability of the principled supervision and restrictive supervision to the different business models of Internet finance.
  (2) Establish and Improve the Internet Financial Regulatory Framework
  The second is to establish and improve the financial supervision framework for the Internet. First, at the national level, the system of financial supervision of the Internet is established, which clarifies the framework, principles, objectives and overall measures of the Internet financial supervision. Second, based on the current pattern of separate supervision and institutional supervision, the relevant departmental responsibilities should be clearly defined, and relevant departments should issue targeted regulations or regulations for Internet financial supervision. Third, establish an inter-network financial supervision coordination mechanism, pay attention to functional supervision and comprehensive supervision, especially the coordination of the Bank and the Ministry of Industry and Information Technology. Fourth, strengthen the off-site supervision and coordination of information technology and establish effective risk monitoring, early warning and emergency response mechanisms.
  作者簡介:苗雷 1996 男 汉 陕西 本科 北京工商大学嘉华学院 101118 学生 金融学
其他文献
【摘要】:随着我国经济的发展,国家的综合实力得到了显著的提高,部队的建筑也在逐渐完善,同时在部队建设的过程中,财务管理工作起到了重要的作用,尤其是在部隊建设和科学调控方面的作用尤为明显,在部队财务管理中,其财务工作的流程通常情况下都是从出纳工作开始,因此,出纳工作也是财务管理中的重要工作环节,而且在部队的建设方面也发挥着重要的作用。近几年,国家的发展进入了新的时期,在部队的持续建设中,出纳工作也做
期刊
【摘要】:为探讨新经济作用下对居民的休闲体育消费的影响,以雅安市雨城区居民为研究对象,并运用描述性统计分析对数据进行整理。结果显示:“新经济”作用下的居民收入水平有一定的提升,无固定收入人群的休闲体育消费水平明显偏低 而消费意识缺乏及观念滞后是制约居民休闲体育锻炼的重要因素 地区体育场地设施数量、质量及配置等是影响居民有效进行休闲体育消费的客观条件。  【关键词】:新经济 雅安市 休闲体育消费 消
期刊
【摘要】:在中职业学校之中,班主任需要深入反思班级管理,这样才可对技能型的人才加以培养。当前,不管是班级管理具体方式还是管理理念,中職业学校当中的班级管理全都拥有较大进步空间。基于此,本文在分析中职业学校汽修专业当前班级管理当中现存问题的基础上,进而对班级管理当中企业管理这一模式的运用策略展开探索,希望能推动中职业学校班级管理进行改革。  【关键词】:中职业学校 汽修专业 班级管理 企业管理  前
期刊
【摘要】:大数据技术是互联网时代的一项重要技术,用于数据统计和分析。对于旅游业的发展,可以利用大数据统计技术获取当前经济发展中的大量数据,消除无效信息,获取及时有效的信息,从而促进旅游业的发展。随着我国旅游业的快速发展,对旅游数据统计效率的要求也进一步提高。对此,笔者将进行全面有效的分析。我们希望找到提高旅游统计质量的有效途径。  【关键词】:旅游统计 数据质量 大数据 影响  旅游統计是一个国家
期刊
【摘要】:目前,在金融服务乡村振兴战略的具体运作和实践中遇到了诸多问题,只有有效解决这些问题,才能更好地发挥其作用。而有效解决问题的对策主要有:一是加强农村基础设施建设,优化金融服务环境 二是金融机构加大支农力度,创新产品与服务模式 三是建立完善乡村农业信贷风险分担与补偿机制。  【关键词】:新时代 金融服务 乡村振兴战略 对策  面对金融服务乡村振兴战略所遇到的现实问题与困境,各级政府及金融机构
期刊
【摘要】:档案管理工作属于行政事业单位管理工作的主要构成内容之一,通过科学的方式对档案管理工作进行优化,能够促进行政事业单位工作质量与效率的提升。现阶段,我国社会进入到了大数据时代之中,事业单位主要涉及卫生、教育、文化以及科技等相关社会服务工作,并将档案管理工作和信息化技术融合在一起,实现规范化,进而解决传统管理方式遗留下来的问题。  【关键词】:事业单位 档案管理 规范化  随着行政事业单位工作
期刊
【摘要】:随着经济和科技的快速成长,财务欺诈手段和方式日渐增多,对我们以及审计单位来说有效的找出解决财务欺诈的发生方法是一种很大的挑战。有效的防范和阻止財务欺诈问题,做好财务审计工作,才是每个公司共同面临的需要迫切解决的不可忽视的问题。采用有效的审计对策,做好审计工作可以保护中小投资者的切身利益,有利于建设完善的会计准则制度以及审计行业的发展。  【关键词】: 财务欺诈 成因分析 审计对策  一、
期刊
【摘要】:近年来,河南省旅游业发展迅速,旅游收入占河南全省收入的比重不断上升,河南旅游业的发展对河南经济和社会发展起到了重要的推动作用。特别是在乡村振兴战略背景下,加快河南省旅游业的发展十分必要。本文结合河南省当下的旅游业发展状况,分析其发展中存在的一些问题,并对此提出一些创新性对策和建议。  【关键词】:河南省 旅游业 现状 对策  一、引言  “一带一路”国家发展战略的提出,为中原崛起、河南振
期刊
【摘要】:医院的工会组织是联系群众和党组织的重要桥梁和纽带,也是医院文化软实力的重要组成部分。新闻宣传工作具有很强的凝聚力,在医院工会工作中发挥着很重要的作用。特别是在医改阶段,务必要在医院工会宣传工作上下功夫,与时俱进,开拓创新,为医院的发展提供强有力的智力支撑和思想保障。  【关键词】:医院工会 宣传工作 创新思路  一、 医院工会在医院建设发展中的作用  众所周知,工会的全称是工人联合会,它
期刊
【摘要】:人事专干在高中校园管理工作中发挥着重要的作用,它是连接学校与教师的桥梁和纽带,为了确保人事专干工作的效率和质量,要求工作人员具备更高的道德素养和法律意识,能够保持公平公正的态度处理事物。如何做好高中人事工作是当前人事专干面临的重要问题,只有发挥好人事专干的积极作用,才能够推动高中建设的进一步发展,接下来探讨的重点是如何在高中人事管理工作过程中做好人事工作。  【关键词】:人事专干 高中人
期刊