摘要
本文旨在深入探讨互联网金融监管领域面临的法律问题及其相应的改进对策。随着互联网技术的飞速发展，互联网金融作为新兴业态，不仅极大地丰富了金融服务模式，提升了金融效率，同时也对传统的金融监管体系构成了严峻挑战。文章首先分析了互联网金融监管中存在的核心法律问题，包括但不限于监管空白与重叠、法律法规滞后于业态创新、消费者权益保护不足、数据安全与隐私泄露风险加剧以及跨境金融活动监管困难等。这些问题不仅威胁到金融市场的稳定与安全，也损害了广大投资者的合法权益，本文提出了一系列针对性的改进对策。建议加强跨部门协同监管机制，明确监管职责，消除监管盲区与重叠；加快完善互联网金融相关法律法规体系，确保监管有法可依、有章可循；强化消费者权益保护机制，建立健全投诉处理与纠纷解决机制；加大数据安全与隐私保护力度，推动技术创新与合规监管并重；同时，加强国际合作，共同应对跨境互联网金融监管难题，构建全球互联网金融治理新秩序。通过这些措施，旨在构建一个既鼓励创新又有效防控风险的互联网金融监管环境，促进互联网金融行业健康、可持续发展。
关键词：互联网金融；监管法律；法律问题
Abstract
This paper aims to deeply discuss the legal problems faced in the field of Internet financial supervision and the corresponding improvement countermeasures. With the rapid development of Internet technology, Internet finance, as an emerging business form, not only greatly enriches the financial service mode and improves the financial efficiency, but also poses a severe challenge to the traditional financial regulatory system. The article first analyzes the core legal problems existing in the supervision of Internet finance, including but not limited to the regulatory gaps and overlap, laws and regulations lagging behind the innovation of business forms, insufficient protection of consumer rights and interests, the increasing risk of data security and privacy leakage, and the difficulties in the supervision of cross-border financial activities. These problems not only threaten the stability and security of the financial market, but also damage the legitimate rights and interests of the majority of investors. This paper puts forward a series of targeted improvement countermeasures. It is suggested to strengthen the cross-department coordination supervision mechanism, clarify regulatory responsibilities, eliminate regulatory blind areas and overlap; accelerate the improvement of laws and regulations related to Internet finance, ensure that there are laws and regulations to follow; strengthen the protection mechanism of consumer rights and establish complaint handling and dispute resolution mechanism; strengthen data security and privacy protection, promote technological innovation and compliance supervision, strengthen international cooperation to jointly deal with the difficult problems of cross-border Internet financial supervision, and build a new order of global Internet financial governance. Through these measures, it aims to build a regulatory environment for Internet finance that both encourages innovation and effectively prevents and controls risks, and promote the healthy and sustainable development of the Internet finance industry.
Keywords：Internet finance; regulatory law; legal issues
目 录
摘要 I
Abstract II
一、绪论 1
（一）研究背景及意义 1
（二）研究目的和内容 1
（三）国内外研究现状 1
二、互联网金融相关概述 3
（一）互联网金融的定义 3
（二）互联网金融的特点 3
（三）互联网金融的主要模式 3
三、互联网金融监管的必要性 5
（一）保护消费者权益 5
（二）防范金融风险跨行业传播 5
（三）维护金融稳定与安全 5
四、互联网金融监管法律问题分析 7
（一）投诉渠道不畅 7
（二）法律法规滞后性 7
（三）监管主体多元化 7
（四）监管技术滞后 8
五、互联网金融监管法律问题的改进对策 9
（一）拓宽投诉渠道 9
（二）完善法律框架 9
（三）明确监管职责 9
（四）提升监管技术水平 10
结 论 11
参考文献 12
