| 摘要: |
| 互联网金融作为金融业融合互联网衍生形成的一种新型金融模式，其具有技术 性、技术与制度二重性以及认知性等特质性风险。本文在分析互联网金融特质性风险的基础 上，对已颁布的监管政策进行梳理，揭示目前监管政策的缺陷，提出监管政策改进建议：健全 和完善互联网金融监管的规章制度；引入监管沙盒试点，紧扣“四个核心”的监管沙盒机制来 助推金融创新；从政府、企业与行业协会三方着手，构建市场准入与退出机制；加强互联网金 融消费者权益保障。 |
| 关键词: 互联网金融；风险；监管沙盒；创新 |
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| 基金项目:广东省哲学社会科学基金项目“互联网金融背景下小额贷款公司可持续发展及其监管研究”（GD14XYJ15）、广东省教育厅特色创新项目“新型互联网民间金融的模式创新及风险防范研究”（2014WTSCX077）。 |
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| The Study on the Idiosyncratic Risks of Internet Finance and Regulatory Policies |
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LIN Xin YANG Jiayi1,2
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1 School of Finance and Economics, Guangdong Polytechnic Normal University;2 Guangdong Provincial Engineering Technology Research Center for Internet Financial
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| Abstract: |
| As a new financial mode, Internet finance is derived from the combination of finance and internet. Internet finance has idiosyncratic risks, including technical risks, dual risks of technology and institution, and cognitive risks. Based on the analysis of the idiosyncratic risks of Internet finance, this paper combs the current supervision policies promulgated and its shortcomings and puts forward some suggestions for improvement,namely:establishing and perfecting the rules and regulations of Internet finance; introducing the supervision sandbox to promote financial innovation, and tightly linking the "four core points" of supervision sandbox mechanism; building a market access and exit mechanism from the three aspects of government,enterprises and industry; strengthening the protection of the rights and interests of Internet financial consumers, and promoting the healthy development of Internet finance. |
| Key words: Internet Finance; Idiosyncratic Risks; Regulation |
