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互联网金融的创新发展正在改变着当前的金融运营模式。新主体的加入、投资者范围的扩大以及业务范围的增加使得当前的金融创新呈现出普惠金融与混业金融兼具之双重特性,导致当前的分业经营与监管的体制下极易出现创新性金融活动的监管缺失或监管重复,诱发监管套利,扩大金融风险,损害金融消费者利益。在这样的背景之下,我国互联网金融的发展亟需政府监管的介入和法律的规制。本文对互联网金融时代的混业经营趋势进行了论述,阐释了其中的风险所在,结合海外立法与监管制度经验,对我国互联网金融时代混业经营监管路径提出了相应的制度方案。
The innovative development of internet finance is changing the current mode of financial operation. The new main body to join, the expansion of the scope of investors and the increase in business scope makes the current financial innovation shows the dual characteristics of both inclusive finance and mixed finance, leading to the current system of separation and supervisory innovation prone to innovation The lack of supervision or supervision over sexual financial activities has induced regulatory arbitrage, expanded financial risks and undermined the interests of financial consumers. Under such circumstances, the development of Internet finance in our country urgently needs the intervention of government regulation and the legal regulation. This paper discusses the trend of mixed operation in internet finance era, expounds the risk in it, and combines with the experience of overseas legislation and supervision system to put forward corresponding institutional solutions to the supervision of mixed operation in internet finance era in our country.