發(fā)布時(shí)間：2018-11-14 11:52

【摘要】：自余額寶、借貸寶等互聯(lián)網(wǎng)金融產(chǎn)品在中國(guó)迅速發(fā)展以來,互聯(lián)網(wǎng)金融的問題諸如技術(shù)存在漏洞、互聯(lián)網(wǎng)金融產(chǎn)品設(shè)計(jì)不完善、互聯(lián)網(wǎng)金融公司主體信息安全標(biāo)識(shí)不明確、互聯(lián)網(wǎng)金融監(jiān)管職責(zé)不明確等現(xiàn)實(shí)問題層出不窮。互聯(lián)網(wǎng)金融問題能否得到解決關(guān)乎到中國(guó)金融業(yè)的健康穩(wěn)定發(fā)展。在互聯(lián)網(wǎng)金融快速發(fā)展的背景下,本研究以互聯(lián)網(wǎng)金融為主體出發(fā)運(yùn)用文獻(xiàn)研究法和系統(tǒng)分析法對(duì)中國(guó)互聯(lián)網(wǎng)金融進(jìn)行STS視角解析,探討并提出問題,最終得出解決方案,以期為中國(guó)互聯(lián)網(wǎng)金融的健康發(fā)展提供一定的理論支持。對(duì)中國(guó)互聯(lián)網(wǎng)金融進(jìn)行STS視角解析通過對(duì)互聯(lián)網(wǎng)金融公司主體、互聯(lián)網(wǎng)金融使用主體、互聯(lián)網(wǎng)金融監(jiān)管主體三個(gè)方面出發(fā)來闡述互聯(lián)網(wǎng)金融需要以什么樣的知識(shí)為指引,需要以什么樣的技術(shù)為基礎(chǔ)、需要以什么樣的制度為保障從而促進(jìn)互聯(lián)網(wǎng)金融的安全健康發(fā)展。在此基礎(chǔ)上分別對(duì)互聯(lián)網(wǎng)金融的三大主體存在的軟件技術(shù)漏洞、硬件技術(shù)問題、金融產(chǎn)品設(shè)計(jì)不完善、信息安全標(biāo)識(shí)不明確、監(jiān)管方式落后等問題提出解決方案。如今互聯(lián)網(wǎng)金融在現(xiàn)代社會(huì)扮演的角色越來越重要。中國(guó)互聯(lián)網(wǎng)金融是否健康發(fā)展直接影響我國(guó)在國(guó)際經(jīng)濟(jì)中的地位。中國(guó)互聯(lián)網(wǎng)金融公司主體需要遵守制度并且以先進(jìn)的科學(xué)知識(shí)和技術(shù)為基礎(chǔ)發(fā)明優(yōu)秀的互聯(lián)網(wǎng)金融產(chǎn)品,互聯(lián)網(wǎng)金融的使用主體需要遵守制度,并掌握知識(shí)和技術(shù)從而更好地使用互聯(lián)網(wǎng)金融產(chǎn)品。而互聯(lián)網(wǎng)金融監(jiān)管主體應(yīng)該建立完善的制度為互聯(lián)網(wǎng)金融的健康發(fā)展提供保障。中國(guó)互聯(lián)網(wǎng)金融主體需要以科學(xué)知識(shí)作為指引、先進(jìn)的技術(shù)作為支撐、優(yōu)秀的制度作為保障,從而實(shí)現(xiàn)互聯(lián)網(wǎng)金融的健康發(fā)展。
[Abstract]:Since the rapid development of Internet financial products such as Yu'e Bao and Laibao in China, the problems of Internet finance, such as the existence of loopholes in technology, the imperfect design of Internet financial products, and the unclear information security identification of the main body of Internet financial companies, Internet financial supervision responsibilities are not clear and other practical issues emerge in endlessly. Whether the Internet financial problems can be solved is related to the healthy and stable development of China's financial industry. Under the background of the rapid development of Internet finance, this study uses literature research and system analysis to analyze Chinese Internet finance from the perspective of STS, discusses and puts forward problems, and finally comes up with a solution. With a view to providing certain theoretical support for the healthy development of Internet finance in China. From the perspective of STS, this paper expounds what kind of knowledge Internet finance should be guided by from three aspects: the main body of Internet finance company, the main body of Internet financial use, and the subject of Internet financial supervision. In order to promote the safe and healthy development of Internet finance, what kind of technology should be taken as the basis and what kind of system should be taken as the guarantee. On this basis, the solutions to the three main problems of Internet finance, such as software technology loopholes, hardware technical problems, imperfect design of financial products, unclear information security labels and backward supervision methods, are put forward respectively. Nowadays, Internet finance plays a more and more important role in modern society. Whether China's Internet finance develops healthily directly affects our country's position in the international economy. The main bodies of Chinese Internet finance companies need to abide by the regulations and invent excellent Internet financial products on the basis of advanced scientific knowledge and technology, and the users of Internet finance need to abide by the system. And master knowledge and technology to better use Internet financial products. The main body of Internet financial supervision should establish perfect system to guarantee the healthy development of internet finance. In order to realize the healthy development of Internet finance in China, the main body of Internet finance should be guided by scientific knowledge, supported by advanced technology and guaranteed by excellent system.
【學(xué)位授予單位】：沈陽工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F832

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