论文部分内容阅读
互联网金融及金融业混业经营的发展给现有金融监管理念和模式带来了很大的冲击,为破解监管难题、保障国家金融安全和投资者合法权益,穿透式监管理念顺势而生。穿透式监管强调击穿复杂的资产层、交易结果和中间环节以探明业务真实属性,实现对金融业的实质、有效监管。穿透式监管的重点在于防范和化解系统性金融风险,确保金融监管的有效性。穿透式监管需进行穿透式的信息披露,促进市场主体信息公平;同时,穿透式监管实效的发挥需强化监管部门之间的协调。
The development of the mixed operation of Internet finance and financial industry has brought a great impact on the existing concepts and models of financial supervision in order to solve the regulatory problems, safeguard the financial security of the country and the legitimate rights and interests of investors and give birth to the concept of the breakthrough supervision. Penetration regulators emphasize the breakdown of complex asset layers, transaction results and intermediate links in order to ascertain the true nature of the business and achieve real and effective regulation of the financial industry. Throughout the supervision of the focus is to prevent and resolve systemic financial risks and ensure the effectiveness of financial regulation. Penetration of the need to conduct transparent information disclosure, to promote fair market information; the same time, through the supervision of the effectiveness of the need to strengthen the coordination between regulatory authorities.