金融學(xué)-論互聯(lián)網(wǎng)金融的有效監(jiān)管-以水滴籌為例

摘要摘要：在“互聯(lián)網(wǎng)+”的快速發(fā)展下，互聯(lián)網(wǎng)與慈善事業(yè)不斷的融合，形成了“互聯(lián)網(wǎng)+公益”，使得我國(guó)的公益事業(yè)的發(fā)展有了質(zhì)的飛躍?；ヂ?lián)網(wǎng)公益眾籌平臺(tái)為我國(guó)慈善捐贈(zèng)事業(yè)提供了一條新的捐贈(zèng)渠道，很好的解決了傳統(tǒng)慈善捐贈(zèng)的局限性。可在互聯(lián)網(wǎng)公益眾籌平臺(tái)運(yùn)行的過(guò)程中，也暴露出了一些問(wèn)題，有人利用互聯(lián)網(wǎng)眾籌平臺(tái)進(jìn)行“詐捐”“騙捐”等活動(dòng)以及平臺(tái)地推人員不合法推廣平臺(tái)公益產(chǎn)品，這些行為都使人們對(duì)慈善、對(duì)公益平臺(tái)的公信力造成了下降。本文首先介紹了互聯(lián)網(wǎng)公益眾籌平臺(tái)的起源和發(fā)展，以水滴籌為例，介紹了水滴籌的起源和運(yùn)營(yíng)模式。然后結(jié)合水滴籌平臺(tái)，發(fā)現(xiàn)互聯(lián)網(wǎng)公益眾籌中存在的問(wèn)題。最后針對(duì)互聯(lián)網(wǎng)公益眾籌平臺(tái)存在的問(wèn)題，分別對(duì)立法不完善、監(jiān)督體系不完善和信息公開(kāi)不及時(shí)等問(wèn)題提出解決措施：如制定平臺(tái)自律公約、健全第三方托管機(jī)制、建立籌集資金公示制度、加強(qiáng)網(wǎng)絡(luò)募捐組織內(nèi)部自律、充分利用外部監(jiān)督、建立專業(yè)權(quán)威的信息公開(kāi)機(jī)制、建立公開(kāi)透明的信息披露制度和財(cái)務(wù)制度。最終使得我國(guó)網(wǎng)絡(luò)公益眾籌事業(yè)更加具有規(guī)范性，健康有序的發(fā)展。關(guān)鍵詞：公益眾籌，互聯(lián)網(wǎng)眾籌，監(jiān)管，公益眾籌平臺(tái)OnEffectiveSupervisionofInternetPublicWelfareCrowdfundingAbstract:Withtherapiddevelopmentof"Internet+",thecontinuousintegrationoftheInternetandcharityhasformed"Internet+PublicWelfare",whichhasmadeaqualitativeleapinthedevelopmentofChina'spublicwelfare.TheInternetpublicwelfarecrowdfundingplatformprovidesanewdonationchannelforChina'scharitabledonationcause,whichsolvesthelimitationsoftraditionalcharitabledonations.However,someproblemshavealsobeenexposedduringtheoperationoftheInternetpublicwelfarecrowdfundingplatform.SomepeoplehaveusedtheInternetcrowdfundingplatformtocarryoutactivitiessuchas"frauddonations"and"frauddonations."Allhavecausedpeople'scredibilitytocharityandpublicwelfareplatformstodecline.ThisarticlefirstintroducestheoriginanddevelopmentoftheInternetpublicwelfarecrowdfundingplatform.Takingwaterdropchipsasanexample,theoriginandoperationmodelofwaterdropchipsareintroduced.Thencombinedwiththewaterdropplatform,foundtheproblemsintheInternetpublicwelfarecrowdfunding.Finally,inresponsetotheproblemsoftheInternetpublicwelfarecrowdfundingplatform,weproposesolutionstoproblemssuchasinadequatelegislation,inadequatesupervisionsystems,anduntimelyinformationdisclosure:suchasformulatingaplatformself-disciplineconvention,improvingthird-partycustodymechanisms,establishingafundraisingpublicitysystem,Strengtheninternalself-disciplineofonlinefundraisingorganizations,makefulluseofexternalsupervision,establishaprofessionalandauthoritativeinformationdisclosuremechanism,andestablishanopenandtransparentinformationdisclosuresystemandfinancialsystem.Intheend,China'sonlinepublicwelfarecrowdfundingismorestandardizedandhealthy.Keywords:Publicwelfarecrowdfunding，Internetcrowdfunding，Supervision，Publicwelfarecrowdfundingplatform

目錄第1章 緒論 致謝首先，我要感謝我的論文指導(dǎo)老師，廣州大學(xué)松田學(xué)院經(jīng)濟(jì)與管理學(xué)院的劉珊孜老師。劉珊孜老師給我的論文的研究方向提供了寶貴的意見(jiàn)，在論文的撰寫過(guò)程中，對(duì)我提出的問(wèn)題和遇到的困難和困惑，老師都能及時(shí)地給與幫助，提出了許多有助于改善論文的指導(dǎo)意見(jiàn)，付出了許多的心血和精力。再次向劉珊孜老師對(duì)我的幫助和指導(dǎo)表示