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中国互联网金融协会会长:金融业“一面是天使 一面是魔鬼”

2017-09-18 09:51:39   央广网

央广网北京9月18日消息(记者杨晓)据经济之声《天下财经》报道,在昨天(17日)举行的第二届中国金融科技大会上,中国互联网金融协会会长李东荣做出了金融业“一面天使,一面魔鬼”的表述。那么,金融科技行业目前存在哪些乱象?面对高风险性、强侧重性的金融行业,应如何做好有效监管?

中国互联网金融协会会长李东荣昨天说,一面天使,一面魔鬼的金融业,在创新层面如果缺乏正确的发展理念和价值导向,就可能滑向自我循环、过度膨胀,甚至引致经济金融危机乃至社会危机。

中央财经大学法学院教授、金融法研究所所长黄震认为,李东荣的话并非危言耸听,尽管行业本身无好坏之说,但在一些别有用心的人的操纵下,目前金融科技行业确实存在诸多乱象。

黄震说:“(有些人)打着金融科技的名义,夸大宣传,(发布)不实广告,这是第一个问题。第二个就是过去一些做民间借贷甚至高利贷的企业换个‘马甲’,变成了所谓的金融科技。第三个就是有些技术研发的企业借数字货币做ICO等等,让区块链等等也走向了非法集资的渠道上来。”

面对乱象,应如何监管?李东荣表示,不允许机构打着改革和创新的旗号去欺骗群众,而且和过往监管部门和业界说的“卖者尽责、买者自负”不同,李东荣强调,金融科技发展应当注意“卖者有责,进而推动买者自负。”

对此,中国人民大学财政金融学院副院长赵锡军认为,这是对卖者及监管机构责任的进一步强化,首先在于卖者有义务如实告知买者产品的价值及风险。

赵锡军指出:“卖的人做不到这一点,买的人也没有能力去了解清楚,就需要市场有这么一种机制,来要求销售这个金融商品或者服务的人,要有义务去告知。而对于那些了解金融商品能力不足的人,就要设些门槛。一般来讲,通过监管部门来完成这件事情。”

赵锡军表示,参与者追求利益最大化是市场机制的天然属性,但就“卖者有责”的监管要求讲,优先保护弱者,向来是保证市场正常秩序与交易公平的基本法则。

他说:“监管的存在,更多的是为了让每个旨在追求自己利益最大化的主体参与市场交易的时候能够不损害交易对手的利益。”

但保护不等于纵容,中央财经大学金融法研究所所长黄震强调,面对高风险的金融投资,消费者同样需要意识到“买者自负”原则。

黄震说:“你(消费者)应该理性负责,自己的行为要独立的承担责任,而不能说出现问题就把责任全推卸给卖者或者监管者。特别是如果参与了这些非法集资的活动,就应该对自己的所谓投资行为担负起后果。”

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