互聯網金融之創新與風險;Innovation and Risk in Internet Finance:Experience from Mainland China

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題名:	互聯網金融之創新與風險;Innovation and Risk in Internet Finance:Experience from Mainland China
作者:	高銘輝;Kao,Ming-Hui
貢獻者:	財務金融學系在職專班
關鍵詞:	互聯網金融;風險;電子支付;第三方支付;網路貸款;眾籌;群募;大數據;雲端;Fintech;P2P
日期:	2016-06-24
上傳時間:	2016-10-13 13:49:56 (UTC+8)
出版者:	國立中央大學
摘要:	互聯網金融(金融科技Fintech)是藉由網際網路、行動通訊、雲端計算與大數據分析等技術之創新及應用，來實現資金流通、金融支付與投資理財等金融中介業務之新興經營模式。互聯網金融借助無國界限制之便利性，在不受地域及時間限制之情況下，其資金流動迅速，各項業務模式成交總量也屢破新高。本研究探討中國大陸第三方支付、P2P 網路貸款平臺及眾籌（群募）平臺三大模式中所存在的風險，例：非法集聚及佔有資金池、非法移轉套現及犯罪洗錢的管道、資安防護不足導致資料外洩、徵信環境不完善形成項目詐欺、與現有法規抵觸構成違法行為等相關風險及其應對之建議，第三方支付平臺之資金池應作「專款專戶」信託管理、P2P網路貸款平臺藉由第三方來管理資金，且不得吸收公眾存款、設立資金池或提供任何形式之擔保，眾籌（群募）平臺完善資金提供與接受兩端之徵信能力，並可要求互聯網金融從業機構，強制儲存所有資金進出記錄軌跡，並對相關媒體設置一定保存之期限，助於降低管理不當或衍生之不法風險。中國大陸在發展互聯網金融的腳步上，積極開放、遙遙領先台灣，反觀台灣在互聯網金融領域的緩步，卻也令人憂心；於互聯網金融改革創新進行時，不免有許多風險因此而逐漸累積，中國大陸在互聯網金融發展上，已有許多法規與案例可供台灣借鏡參考，期許本文中所整理之觀點，得以提供於台灣在互聯網金融發展之未來；唯有秉持開放之態度，尋求在安全與效益的平衡點，台灣定能再次贏回舞台，重新搶得契機。;The Internet Finance (Fintech) is mainly driven by technology innovation and application of Internet, mobile communications, cloud computing and big data analysis. These tech changes the way of capital flow, electronic payment, investment and other financial intermediation from the typical business model. As the internet functions without location and time constraints, The capital flow rapidly. The total turnover within the business model also keep breaking a new historical high. In this study, we discuss the third party payment (electronic payment), P2P lending, and crowdfunding, along with their involved risk in China. For example: illegally gathering and possession of a pool of money, illegally transfer of cash and money laundering from crimes pipes. Personal data leaks from information system and is thus not safe. The imperfect credit environment leads to project frauds, and other illegal acts contributing to the associated risks. Our recommendations are: the third party payment (electronic payment) platform of capital pool should implement "earmarked accounts" trust management. And let P2P network lending platform by a third party to manage the funds. It shall not take deposit from the public, establish a pool of money or provide guarantee. The crowdfunding platform shall improve the funding providers and recipients of through their credit abilities. These all require the Internet financial institutions to store retain, and explore the data to help reduce risk. The progress of the Internet Finance(Fintech) developments is active and large in China, where in Taiwan Internet Finance(Fintech) development is so slow and worrisome. While The Internet Finance(Fintech) is innovating, there can be many risks also accumulating. There are many regulations and cases from Internet Finance(Fintech) in China that shed lights for Taiwan. We hope this study is able to provide insight for future Taiwan′s Internet Finance(Fintech) development. Only with an open attitude and seeking to balance the security, benefits and risks will make Taiwan to win back the stage and to grab the opportunity.
顯示於類別:	[財務金融學系碩士在職專班] 博碩士論文

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