摘要
互联网信托是信托与互联网技术的融合创新,包括一系列创新业务模式,是互联网金融的主要业务之一。其融合信托工具和互联网技术的双重优势,有利于促进传统信托的转型升级以及普惠金融目标的实现。中国实践中典型的互联网信托业务模式有信托"团购"模式,信托收益权拆分转让模式,信托受益权质押融资模式以及消费信托O2O等。这些运营模式面临许多风险,应完善互联网信托的相关法律法规,制定《互联网信托监管暂行办法》,构建以银监会为主导的多方协调监管机制,并加强互联网信托行业自律监管,以促进互联网信托业的健康发展。
Internet trust is a fusion innovation of trust and internet technology,including a series of innovative business models,which is one of the main businesses of internet finance.The dual advantages of the fusion trust tool and internet technology will facilitate the transformation and upgrading of traditional trust and the realization of the goal of inclusive finance.The typical internet trust business model in China is the trust "group buying mode",the split and transfer mode of the trust revenue right,the financing mode of the beneficial right of the trust and the O2O of the consumer trust.These operating models face many risks.It is mecessary to perfect the relevant laws and regulations of internet trust,"interim measures for the Internet trust regulation",build the multilateral coordination regulation mechanism dominated by the China banking regulatory commission,and strengthen the regulation of Internet trust industry self-discipline,in order to promote the healthy development of the Internet business.
作者
王波
罗云
陈彩云
WANG Bo;LUO Yun;CHEN Cai-yun(Xi'an University of Finance and Economics,Xi'an 710061,China)
出处
《西安财经学院学报》
CSSCI
2019年第3期76-83,共8页
Journal of Xi’an University of Finance & Economics
基金
陕西省软科学研究计划面上项目(2017KRM067)
中国博士后科学基金第59批面上资助项目(2016M592630)
重庆市博士后特别资助项目(Xm2016047)
西安财经学院青年英才发展支持计划项目
关键词
信托
互联网信托
信托风险
信托产品
法律规制
监管体系
trust
internet trust
trust risk
trust produots
legal regulation
the regulatory system
